Is Flood Insurance Included In Standard Home Insurance?

April 10, 2023
A flooded street with palm trees and a road sign


One of the most frequent and expensive natural calamities is flooding. Flooding can strike practically any place, even if you do not live in a particularly dangerous flood zone. Homeowners' insurance policies may cover damage caused by disasters like fires, hurricanes, and burglary but do not cover water damage. 

 

A flood insurance policy can cover flood-related damage to a home or company. Flooding occurs due to several factors, including severe rain, melting snow, and rising water levels in rivers and other bodies of water. Flooding can cause severe damage to structures and personal goods, making restoration or replacement costs.

 

Flood insurance is intended to safeguard homeowners and businesses in flood-prone areas. If you live in a flood-prone location, consider obtaining flood insurance to protect your home and belongings.

 

Flood insurance is not included in a standard homeowners insurance policy and should be obtained separately. If you live in a flood-prone location, consider obtaining flood insurance with Brad Spurgeon Insurance Agency Inc. to safeguard your home and personal possessions from potential damage.


What Is Covered by Flood Insurance?

A flood insurance policy covers the following items:



Damage to the Building’s Structure

Flooding damages the structure of a home or business, and flood insurance can help pay for the necessary repairs or reconstruction. This may also cover the price of the building's materials and labor, as well as the price of any required demolition and debris disposal.


Personal Property Damage

A flood insurance policy can cover replacement costs for personal property destroyed or damaged by flooding. Among these things could be gadgets, appliances, and furniture.


Temporary Housing Cost

Flood damage can render a home or business uninhabitable, and flood insurance could cover temporary housing, such as hotels or rental units.


Repair and Cleaning

Flood insurance may cover the expense of cleaning up and repairing flood damage, including removing water, drying out the building, and repairing any structural or personal property damage.


Conclusion 

Flood insurance policies' specific coverage might vary greatly from one policy to another. It is always a good idea to carefully read the terms to understand what is and isn't covered under your flood insurance policy.


At Brad Spurgeon Insurance Agency Inc., we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (409) 945-4746 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!

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
Two people holding hands while walking along a paved path in a sunlit park.
By Brad Spurgeon August 4, 2026
Explore activities like dancing, gardening, & yoga to keep seniors healthy. Contact us for tailored insurance solutions today!
A suburban street with modern houses against a mountain backdrop
August 4, 2026
Learn 9 ways to protect your home from windstorms. Ensure safety & get windstorm insurance. Contact Brad Spurgeon Insurance Agency today!
A brown shingled home with a wrap-around porch, featuring text overlays about roofing maintenance and home insurance.
By Brad Spurgeon August 4, 2026
Learn 4 roofing maintenance tips to protect your home. Update your home insurance for better coverage. Contact Brad Spurgeon Insurance Agency today!
Close-up of a white car parked on gravel, with text at the bottom asking,
August 4, 2026
Understand when to inflate your tires for safety & efficiency. Contact Brad Spurgeon Insurance Agency for your insurance needs.
Flood water surrounds buildings under a bridge. Brown water, trees, and houses are visible.
August 4, 2026
Learn essential tips for flash flood safety, including preparation & recovery. Contact Brad Spurgeon Insurance Agency for flood insurance solutions.
Debris from a windstorm scatters across a neighborhood with damaged houses and broken trees.
August 3, 2026
If you've lived on the Gulf Coast for any length of time, you already know that windstorms aren't a matter of if but when. Between tropical systems rolling in off the water and the strong seasonal gusts that sweep through Galveston County, Texas City homeowners face wind exposure most of the year. The good news is that
Show More