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!

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