3 Common Things You Need To Know About Flood Insurance 2021

June 21, 2021
A flooded park with submerged red benches and a text overlay about 2021 flood insurance.


Flood insurance is a kind of property insurance covering the damages caused by flooding from heavy rains or storms. In some areas, flooding is recognized as one of the most dangerous natural disasters. It can kill people and destroy properties.

​

It can create massive destruction of properties. It can cause a financial hole in one's savings if they are not covered by insurance. Here are five everyday things a person needs to know about flood insurance.


What does it cover?

Flood insurance protects the property and belongings of people from floods. There are two types of coverage: building coverage and content coverage. Building coverage protects the home itself. On the other hand, content coverage protects the belongings of the family.


Building coverage protects:

  • Furnace and water heaters
  • Electrical and plumbing systems
  • Foundation walls, staircases, and anchorage systems
  • Window blinds
  • Detached garages
  • Refrigerators, cooking stoves, and built-in appliances.
  • Fuel tanks, well-water tanks, and pumps, and solar energy equipment
  • Permanently installed cabinets, paneling, and bookcases
  • Permanently installed carpeting.

Content coverage protects:

  • Curtains
  • Washer and dryer
  • Microwave oven
  • Valuable items such as original artwork, etc.
  • Personal belongings
  • Portable and window air conditioners.

How it works

Flood insurance works like other insurance policies. When someone is insured, the damaged properties will be paid for by the insurance company. The homeowner pays an annual premium policy.


If the homeowner's properties get damaged by flood, they will receive cash. This cash will be used to build or repair the damage. Still, it is up to the policy limit of the insurance.



How to buy Flood Insurance?

A person can buy flood insurance by communicating with their insurance company. It can be purchased if the person has an existing policy or purchasing a new one. They can also call a local independent agent. That agent can write flood insurance with National Flood Insurance Program (NFIP)


Conclusion

A natural disaster is something people cannot prevent. Although it cannot be prevented from entering, there are still things people can do to protect themselves. Having flood insurance can help a person to save the life they built for their families.


At Brad Spurgeon Insurance Inc., we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (409) 945-4746. You can also request a free quote by CLICKING HERE.

September 15, 2026
If you own a home in Texas City, you already know windstorm insurance isn't optional, and you've probably felt the sting of the premium on your renewal notice. Years of active hurricane seasons along the Gulf have pushed rates higher across the board, but that doesn't mean you're stuck accepting whatever number your ca
A damaged, peeling wall with dark mold growth
September 9, 2026
Mold has a way of showing up in Texas City homes when you least expect it, and Gulf Coast humidity doesn't make it any easier to avoid. Between hurricane-season moisture, everyday humidity, and the occasional leaky pipe or roof, it's one of the more common issues local homeowners run into, and also one of the more misu
September 9, 2026
Owning a home along the Texas Gulf Coast means living with a level of risk most inland homeowners never think twice about. Between hurricane season, hail storms rolling in off the Gulf, and the ever-present threat of flooding after a heavy rain, a homeowners policy here has to work harder than it does almost anywhere e
September 9, 2026
Most Texas City homeowners assume that if their house takes on water, their homeowners policy has them covered. It doesn't, and finding that out mid-claim is one of the most expensive surprises a Gulf Coast homeowner can face. Flood damage is excluded from every standard homeowners and commercial property policy in the
Home, homeowners, and flood policy comparison over a flooded house illustration
September 7, 2026
How Texas coastal homeowners actually get hurricane coverage: TWIA 2026 limits, the declination rule, WPI-8 certificates, named-storm deductibles, and the flood policy that pays for surge. Written by a Gulf Coast agent.
Flooded beach house on stilts with roof damage and insurance claim callouts about a Gulf Coast short-term rental
September 7, 2026
How to insure a Galveston, Crystal Beach, Surfside, or Port Aransas short-term rental: TWIA wind, NFIP flood, Fire & Liability policy, from an experienced local Gulf Coast Insurance agent.
August 25, 2026
Learn why TWIA requires WPI-8 certification, which Texas coastal homes need it, key exceptions, and what to do if your certificate is missing.
A smiling parent sits on a couch and lifts a happy young child
August 19, 2026
Kids explore everything, and that curiosity is part of what makes childhood fun — but it also means everyday spaces in your home can hide risks you might not think twice about as an adult. A few thoughtful changes around the house can prevent the kinds of accidents that send families to the emergency room every year.
A view of two suburban houses
August 17, 2026
It's a question we hear often in Texas City, especially once a tropical system starts showing up in the forecast: can I still get flood insurance now, or is it too late? The honest answer is that it depends on your policy type and timing, and understanding how flood insurance waiting periods work can save you from a co
An American Red Cross emergency kit with supplies like water, a flashlight, goggles, and a poncho for flood survival.
August 10, 2026
Living near the Texas Gulf Coast means flooding isn't a rare or distant threat — it's a real possibility every hurricane season, and sometimes even after a heavy afternoon thunderstorm. Whether you're right along the water or a few miles inland, knowing how to prepare, evacuate, and recover safely can make all the diff
Show More