Since Houston is located near the Gulf of Mexico it is prone to not only hurricane damage, but also flood damage brought on by hurricanes, or forged by storms. Houston is an area that is also prone to flooding and there is something you should know: your homeowners insurance does not cover any flood losses.
What is flood insurance?
Standard Texas Flood Insurance Policies apply to all types of homes such as condominiums, houses, mobile homes, rental homes, and business properties which are located in Special Flood Hazard areas. Flood insurance will also cover property that is located in the low to moderate risk zones that do not fall in the category for a Preferred Risk of Policy including non-residential homes and 5+ unit buildings.