Houston Home Insurance: Check Flood Maps and Compare Quotes
Look up a Houston-area property on local flood maps, then ask for comparable home and flood insurance proposals.
By Insurazon Editorial Team
Start with the street address
If the home is in Harris County, use the Harris County Flood Control District’s mapping resources and check the effective FEMA map for the address. Save the map date and the property location so an agent or lender can review the same result.
If the property is outside Harris County, use the FEMA Map Service Center and check which local jurisdiction serves the address. Ask the lender to explain any flood insurance requirement for your loan in writing.
Harris County Flood Control District flood mapsTake the address and property details to each insurer
Give each insurer the same address, foundation details, and move-in or closing date. Ask what the home policy says about wind, hail, and water backup. Then request any flood proposal separately so the limits and deductibles are easy to compare.
If the home policy and flood proposal have different effective dates, ask each insurer to confirm when its coverage would start. Record the dates beside your closing or move-in deadline.
FEMA Map Service CenterInsurazon provides general education. Ask your insurer or a licensed insurance professional to review the terms for your situation.