Flooding is a familiar and frequent natural disaster in Texas. Heavy rains are a consistent threat across the state, while hurricanes have caused hundreds of millions of dollars in flood damage to Texas homes and businesses in just the past few years.

A flood insurance policy through the National Flood Insurance Program offers Texas residents their best protection against loss. It takes 30 days for a new NFIP policy to go into effect.

Hurricane season runs June 1 through Nov. 30. Will you have flood insurance in time?

“During hurricane season, Texas residents and businesses are at risk,” said Federal Coordinating Officer William J. Doran III, who is in charge of FEMA’s operations in Texas. “A policy with the NFIP is one of the best ways to supplement federal assistance and protect your home and livelihood.”

Flood damage is not covered under homeowner insurance policies and there is no guarantee that federal disaster assistance will be available when a flood occurs.

Flood insurance is available to homeowners, business owners and renters.  Policies offer up to $250,000 coverage for homeowners, up to $100,000 for personal property and up to $500,000 each for business contents and buildings.

Property owners who already have flood insurance policies are encouraged to check their policy each year, update as necessary and make sure premiums remain paid in full.

For more information or to find an insurance agent near you who sells flood insurance, visit floodsmart.gov, or call the NFIP’s toll-free number at 1-888-356-6329 (1-888-FLOOD29). Persons who are deaf, hard of hearing or have a speech disability and use a TTY may call 1-800-427-5593.

Download fema.gov/mobile-app to locate open shelters and disaster recovery centers, receive severe weather alerts, safety tips and much more.