Flood Insurance in Lubbock, Abernathy, and Surrounding Areas

Dangers of Flooding

Protecting Your Valuables

Many homeowners are surprised to learn their homeowner’s insurance policies do not cover flooding accidents. That’s right: Most homeowner’s policies will not cover flood damage.

This fact puts Texas residents – so many who live near areas with poor drainage or hill country where rainfalls can exceed several feet of water – it’s a tricky position. For such homeowners, adequate flood insurance isn’t optional; it’s a necessity

How Does Typical Home Insurance Define ‘Flooding’?

If a pipe became clogged and flooded your floor from the toilet, would it be considered a “flooding event” and thus, not be reimbursed by your homeowner’s policy? Or would it be covered?

If you answered, “Yes this event should be covered under my homeowner’s insurance policy” (or something similar), you’re correct. A flooded floor or other water damage to the home caused by a busted pipe (or even a malfunctioning appliance) would likely be covered by a typical homeowner’s insurance policy.

What kinds of events then, are classified as “flooding” and are thus not covered under a standard home insurance policy? Obviously, a heavy rainfall event wherein water rose into your home would be considered flooding. However, other kinds of damage classified as “flood damage” under standard home insurance and flood insurance policies aren’t quite so obvious. In other words, your house doesn’t need to flood with rainwater to sustain “flood damage”. As specified in typical homeowners and flood insurance policies, flood damage also includes:

  • Rain damage
  • Storm surge damage
  • Mud damage

It’s a guarantee that your existing home insurance (or any home policy you’re considering for purchase) won’t cover the above events.

What Type of Flood Insurance Do I Need?

NFIP flood insurance policies come in two types:

  • Standard Flood Insurance: These policies are designed for residents who live in communities with an active and ongoing flood management plan. Such communities must also be able to demonstrate that they have enacted certain NFIP guidelines to reduce flood-based damages.
  • Preferred Risk Flood Insurance: These flood policies are designed for residents living in low-to-moderate risk zones. Such residents aren’t necessarily required to purchase flood insurance but have this option in case they experience a small flood or even an unexpectedly large one.

Clark Riley Insurance Sells FEMA Flood Insurance

If you’re shopping for flood insurance, we’d love to hear from you! As an NFIP-Direct-affiliated agency, we can help you find and purchase an appropriate flood insurance policy.

We are happy to speak with you about flood insurance and to answer all your questions. For a free flood insurance quote, call Clark Riley Insurance today at (806) 298-2591. Or for a free online flood insurance quote, fill out our online quote form on our contact page,