Flood Insurance in Texas
Reviewed by Guido Trevisan, CIC, ARMLicensed P&C brokerLicensed Property & Casualty Insurance BrokerUpdated
Menlo Insurance Services (Opero Labs Inc.), Texas license #3562061. Verify it with the Texas Department of Insurance.
Texas homeowners buy flood insurance as its own policy, from the NFIP or a private flood insurer. TWIA's windstorm policy does not cover flood, even after a hurricane, and some coastal homes need a flood policy to qualify for TWIA. An NFIP policy covers up to $250,000 on the building and $100,000 on contents, and usually starts 30 days after purchase.
Menlo can quote this coverage in Texas through 4 insurance markets (NFIP Direct and three private flood markets). The 7 quotes Menlo recorded for 5 homes in Texas from October 6, 2026 to October 15, 2026 ranged from $518 to $5,225 a year.
Menlo's Texas figures
| Insurance markets Menlo can quote | 4: NFIP Direct and three private flood markets (as of November 9, 2026) |
|---|---|
| Recorded quotes, annual total | $518 to $5,225: 7 quotes for 5 homes, October 6, 2026 to October 15, 2026 |
Texas rules
NFIP building coverage goes up to $250,000 and contents coverage up to $100,000.
Source: FEMA National Flood Insurance Program (FloodSmart), Buy a policy (read November 9, 2026)
NFIP coverage takes effect 30 days after purchase, with exceptions such as coverage bought with a mortgage.
Source: FEMA National Flood Insurance Program (FloodSmart), Buy a policy (read November 9, 2026)
Flood insurance is required for a building in a high-risk flood zone with a mortgage from a federally backed lender.
Source: FEMA National Flood Insurance Program (FloodSmart), What Is My Flood Zone? (read October 1, 2026)
Texas Windstorm Insurance Association (TWIA)
Sells wind and hail coverage only, in the 14 first-tier coastal counties and Harris County east of Highway 146, to owners turned down by at least one insurer writing wind and hail there (Insurance Code chapter 2210).
Source: Texas Windstorm Insurance Association, Coverage & Eligibility (read September 29, 2026)
Its dwelling policy does not cover flood, even when hurricane winds and rain caused the flood.
Source: Texas Windstorm Insurance Association, TWIA Dwelling Policy, Windstorm and Hail (read September 29, 2026)
A property in flood zone V, VE or V1-30 built, altered, remodeled or enlarged on or after September 1, 2009 must have flood insurance, where the NFIP offers it, to be eligible.
Source: Texas Windstorm Insurance Association, Coverage & Eligibility (read September 29, 2026)
Texas FAIR Plan Association (TFPA)
Sells limited home, dwelling, condo and tenant coverage statewide to owners declined by at least two licensed insurers, with no valid offer of comparable coverage (Insurance Code chapter 2211).
Source: Texas FAIR Plan Association, Coverage & Eligibility (read September 29, 2026)
How these figures were collected
The market count is the number of insurers and insurance programs with an enabled quoting route for this coverage in Texas in Menlo's carrier configuration (revision 2377) on November 9, 2026.
The quote range covers 7 quotes on 5 homes whose quote requests were made from October 6, 2026 to October 15, 2026. Every priced residential flood quote on a Texas quote request, NFIP and private, at the building and contents limits and deductibles each owner asked for. Quotes still awaiting underwriting approval are included at their preliminary price. Each figure is the annual total as quoted, taxes and fees included. It is a range of real quotes, not a rate: your price depends on your own details. Rates current as of November 9, 2026.
Each rule above links to the statute or agency page it comes from, read on the date shown.
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