Flood Insurance · Houston, TX
YOUR HOME POLICY DOESN'T COVER FLOODS. LET'S CLOSE THAT GAP.
Standard home and renters policies leave flood out. I'll compare NFIP and private flood options side by side so you can see what fits your home and your budget.
Coverage overview
What flood Insurance Covers
Flood is its own policy. I'll help you choose limits for your home and your belongings, so nothing is left to guesswork.
Building and Foundation
The building itself: walls, floors, the foundation, and your electrical, plumbing, and HVAC systems.
Built-In Items
Built-in appliances, cabinets, permanently installed carpet, and also your water heater and furnace.
Your Belongings
Your furniture, clothing, electronics, and portable appliances like your washer and dryer, if added.
Debris Removal
Hauling away debris and mud after a covered flood, so you can get started on cleanup and rebuilding.
Renters and Landlord
Renters can cover their belongings and landlords can cover the building, even without a home policy.
What's not Covered
Cars, landscaping, decks, pools, and most basement contents usually aren't covered. I'll explain it.
Who It's For
Homeowners outside a high-risk zone who assume they're safe.
Homeowners in a high-risk zone with a federally backed mortgage.
Renters who want their belongings covered.
Landlords protecting a rental property.
Good To Know
Your lender may require it. If your home is in a high-risk flood zone and you have a federally backed mortgage, flood insurance is required.
NFIP has coverage limits. NFIP covers up to $250,000 for a home's building and $100,000 for its contents. Private flood policies may offer higher limits.
Source: FEMA, FloodSmart.gov
How It Works
Step 1
Tell Me About Your Home.
Share the address, your flood zone if you know it, and any elevation certificate you might have.
Step 2
I Shop Several Carriers
I shop several carriers for you and walk you through what each quote covers, not just the price.
Step 3
You Choose, I Handle It
Pick the option that fits. I handle the paperwork, then review your coverage with you each year.
Frequently Asked Questions
COMMON QUESTIONS
Does my home insurance cover flooding?
No. Standard homeowners and renters policies don't cover flood damage. Flood is a separate policy, and I can quote it alongside your home coverage.
Can I use private flood insurance instead of NFIP?
Often, yes. Many lenders accept private flood policies that meet federal requirements. I'll confirm with your lender before you switch.
Is flood insurance only for high-risk areas?
No. During Hurricane Harvey, more than 68 percent of the homes that flooded in Harris County were outside the 100-year floodplain (Harris County Flood Control District).
How much coverage can I get?
NFIP covers up to $250,000 for your home and $100,000 for your belongings. Private policies can offer higher limits, depending on the carrier and your home.
How quickly does coverage begin?
NFIP policies generally have a 30-day waiting period, with some exceptions, such as coverage bought when you close on a home. Private waiting periods vary, so it's best to set it up before storm season.
OFTEN PAIRED WITH
Every home is different. I'll help you choose the coverage that fits, without paying for what you don't need.
Home Insurance
Covers wind, fire, and theft. Flood fills the gap it leaves.
Landlord Insurance
Protects your rental property and the income it brings in.
Umbrella Insurance
Extra liability coverage on top of your home and auto limits.
TALK TO KEVIN
Questions About Your Flood Insurance?
Let's find 30 minutes to look at what you have and what you actually need. No pressure, in English or Spanish.
HOURS
Mon to Fri 9am to 6pm
Helping Houston families and business owners protect what matters most, with real guidance, not just rates.
Caballaro Agency provides insurance products and services. Insurance products are not securities and are not offered through World Equity Group, Inc. For information regarding securities and investment advisory services, please contact Kevin Caballaro directly. Securities and investment advisory services offered through World Equity Group, Inc. Member FINRA and SIPC, a Registered Investment Adviser. Exponent Prosperity Accelerator Advisors, LLC & SMART Group Houston is not owned or controlled by World Equity Group, Inc.
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