Common Misbeliefs of Flood Insurance

April 17, 2017
A rainy, dark street scene with parked cars


When you think about flood insurance, chances are it isn’t a major priority to you, especially if you don’t live in a flood-prone area. However, even areas that don’t see frequent floods can still be at risk in extreme conditions. Don’t wait until it’s too late to research options for flood insurance in your area.​


According to recent studies, all 50 states have experienced floods and 87% of homeowners don’t have a flood insurance policy. Why? Because there are lots of misconceptions about flood insurance, but it is better to research your options before the flood waters are approaching your home...


Misconception #1: You don’t need flood insurance unless you live in a flood-prone area.

To name a few, we have storms, heavy rainfall, and melting snow that can cause flood. You may have not been vulnerable to floods before, but with today’s climate change, there is no longer a safe area. It is not a bad thing to be prepared anyway, and look into flood insurance no matter where your home is located.


Misconception#2: Homeowners insurance covers flood damage.

Many policyholders thought that their homeowner’s insurance policy covers flood. Without being aware that homeowner’s policy may only cover damage from a burst pipe, and not all types of water damage, specifically flood.


Understanding Flood Risks and Insurance Requirements in Your Area

Your insurance rates and requirements are decided based on your flood zone:


  1. High-Risk Areas
    Homeowners in these areas are usually required to carry a Standard Risk Insurance Policy by their lenders because there is a 1 in every 4 chance of getting flooded in a high-risk zone.
  2. Moderate-to-low Risk Areas
    Homeowners in these areas may not be required by their lenders to carry an insurance policy, but it is still something to consider just to be prepared. They can qualify for a low-cost Preferred Risk Policy anyway.


If you want to learn more about Flood Insurance Policy, Brad Spurgeon Insurance Agency Inc. is the one to call. You can reach us at (409) 945-4746​ or visit our office today. You may get a free quote 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