09/02/2026
One of the most common questions we get: does homeowners insurance cover flooding? It does not, and a lot of people are surprised to learn it.
Flood damage generally requires its own separate policy. That coverage can protect the structure itself, everything inside it, or both, depending on how it is written. It is available to homeowners and renters, and required for many Texas properties in flood zones.
September falls right in the busiest stretch of hurricane season, which makes it a good month to know where you stand.
If you are unsure whether you have flood coverage, we are glad to take a look. Call 972-420-1400 or visit amerishieldinsurance.com.