Flood Insurance in Texas

When the waters rise, your coverage should too.

Reliable Flood Coverage for Texas Homes and Businesses

Flooding can happen fast—and in many areas of Texas, it’s not a matter of if but when. A standard homeowners policy won’t cover flood damage, but we can help fill the gap. Stieber Insurance Group provides flood insurance that protects what matters most, with flexible options for homeowners, renters, and property investors.


Get a custom flood insurance quote today.

Call Us For a Quote

What’s Covered by Flood Insurance?


Flood insurance provides specialized protection beyond your standard policy—because water damage can be devastating, fast, and expensive.

A black and white drawing of two buildings on a white background.

Building Property Coverage

Covers the physical structure of your home, including walls, foundation, electrical and plumbing systems, and built-in appliances damaged by rising water.

A black and white drawing of a chair , lamp , nightstand and picture frame.

Personal Property Coverage

Helps replace belongings like furniture, clothing, electronics, and valuables that are lost to a flood.

A black and white drawing of a house with stairs and a chimney.

Basement and Crawlspace Protection

Though often limited, this coverage can help recover specific items like HVAC systems, water heaters, and washers/dryers located below ground level.

A black and white drawing of a house surrounded by water.

Optional Excess Flood Insurance

For higher-value properties or areas with elevated risk, we offer excess coverage that extends beyond standard FEMA limits.

Flood Insurance FAQs

  • Q1: Isn’t flood damage covered by homeowners insurance?

    No. Most standard home insurance policies exclude flood damage. You need a separate flood policy to be protected.

  • Q2: Who needs flood insurance in Texas?

     If you live in a designated flood zone or an area with heavy rainfall (which covers much of Texas), flood insurance is highly recommended—even if it’s not required by your mortgage lender.

  • Q3: How is flood insurance priced?

    Rates depend on your location, flood zone, home value, and other factors. We’ll walk you through your options to get the best rate.

  • Q4: Can renters get flood insurance?

    Yes! Renters can protect their belongings with a contents-only flood policy.

  • Q5: What’s the waiting period for flood insurance?

    Most policies have a 30-day waiting period before coverage kicks in, so it’s important to plan ahead.

  • Q6: Can I bundle flood insurance with my other policies?

    While flood is separate from homeowners or auto, bundling through one agency like Stieber makes managing your policies much easier.

Stay Dry—Even in a Storm

Flood damage can cost thousands—but the right policy can save you more than just money. Let’s make sure you’re protected before the next storm hits.


Request Your Free Flood Insurance Quote Today

Get My Quote