Overview of Flood Insurance
Flood insurance is a specialized form of property insurance that protects homeowners, renters, and business owners from financial losses caused by flooding. Floods are the most common and costly natural disasters in the United States, and yet many property owners are unaware that their standard homeowner’s insurance policy does not cover flood-related damage. That’s where flood insurance comes in—it offers essential financial protection for your home, your belongings, and your peace of mind.
Whether the flooding is caused by heavy rainfall, flash flooding, hurricanes, rising rivers, or snowmelt, the damage can be catastrophic. Even just an inch of water in your home can result in thousands of dollars in repairs. Flood insurance ensures you’re not left to cover these expenses out of pocket.
Who Needs Flood Insurance?
Anyone who owns property—whether a home, rental property, or business—should strongly consider purchasing flood insurance, especially in areas like San Antonio, Texas, where heavy rains and flash flooding are common. While homeowners in FEMA-designated high-risk flood zones are often required by mortgage lenders to carry flood insurance, it’s a smart move even if you’re in a moderate- or low-risk area. In fact, over 20% of all flood claims come from properties outside high-risk flood zones. Just because your property isn’t near a river or in a coastal region doesn’t mean it’s safe from flooding. Sewer backups, drainage failures, and sudden downpours can flood homes in areas previously considered “safe.” Renters can also purchase flood insurance to protect their personal property. Landlords may insure the structure, but tenants are responsible for their own possessions—furniture, electronics, clothing, and more.
What Does Flood Insurance Cover?
Flood insurance typically covers two main areas:
Building Property Coverage – This includes the structure of your home or commercial building, including the foundation, electrical and plumbing systems, HVAC equipment, built-in appliances, and permanently installed carpeting over an unfinished floor.
Personal Property Coverage – This includes your belongings, such as furniture, clothing, electronics, and other personal items damaged by floodwaters. Renters can purchase a contents-only policy.
It’s important to note that flood insurance usually does not cover temporary housing or loss of income due to displacement unless additional endorsements are purchased. Policies also typically have waiting periods—often 30 days—before they go into effect, so it’s crucial to plan ahead and not wait until a storm is on the horizon.
What’s Not Covered by Flood Insurance?
Flood insurance is designed to protect against specific types of water damage. However, there are certain exclusions. For example, it usually does not cover:
Damage from sewer backups unless directly caused by flooding
Landscaping, decks, fences, or pools
Additional living expenses or temporary housing
Currency, precious metals, and important papers
Mold or mildew that could have been prevented by the property owner
That’s why it’s important to review your policy carefully and ask a NuSure Insurance agent in San Antonio to explain the fine print.
Why Flood Insurance Is Essential in Texas
Texas ranks among the top states for flood damage claims year after year. In San Antonio, flash flooding can happen suddenly and with little warning. Even neighborhoods with no history of flooding may become vulnerable as city infrastructure changes or weather patterns shift.
Flood insurance is a vital safety net that ensures you won’t face financial ruin after a storm. Without it, homeowners are left to rely on federal disaster aid, which is often a loan that must be repaid—and only available if a federal disaster is declared. Flood insurance, on the other hand, provides guaranteed protection regardless of disaster declarations.
How Much Does Flood Insurance Cost?
The cost of flood insurance depends on several factors, including:
Location and flood risk (FEMA flood zone)
Elevation of your home or building
Type of foundation and structure
Amount and type of coverage
Deductibles you choose
At NuSure Insurance in San Antonio, our agents work closely with you to assess your property’s risk profile and recommend the right level of coverage to protect your investment—at a price that fits your budget.
How to Get Started
Getting flood insurance is easier than you think. At NuSure Insurance, we’ll help you understand your flood zone, assess your risk, and walk you through the best policy options. We have access to both the National Flood Insurance Program (NFIP) and private flood insurance markets, allowing us to find flexible solutions for every client.
Don’t wait until it’s too late. With a 30-day waiting period on most policies, now is the time to secure the flood coverage your home or business needs.
FAQ about Flood Insurance
Flood insurance typically covers physical damage to your home and personal belongings due to a flood. This includes damages to the structure of your home, electrical and plumbing systems, appliances, carpeting, and personal items.
If you live in a high-risk flood zone and have a federally-backed mortgage, flood insurance is typically required. However, flooding can happen anywhere and can be financially devastating, making flood insurance a wise investment for any homeowner.
The cost of flood insurance varies depending on a number of factors, including the flood risk of your area, the value of your home, and the amount of coverage you choose.
Our Network of Top Carriers
The NuSure Difference in Flood Insurance
- NuSure Let’s You Find the Best Quote: Flood insurance is specific, and so are your needs. We make sure you don’t get a generic policy. Complete one form and we’ll match you with quotes from leading carriers in your area.
- NuSure Helps You Compare Your Options: We make your insurance search easier. NuSure works with the top carriers to provide you with personalized policies that fit your specific needs. We do the heavy lifting so you can make the best decision for your home.
- Get Your Policy: Once you find the best fit, complete your policy purchase online or speak with a NuSure advisor over the phone. We’re here to make sure the process is simple, quick, and suited to your schedule.
