Texas ranks at or near the top of the nation in weather-related property damage each year. A large portion of this damage is due to flooding. Homeowners’ policies do not cover flood damage. However, the national flood insurance program (NFIP) offers flood coverage in many areas. Local insurance agents sell NFIP flood policies and

can tell you about the program in your area. For more information, call NFIP at 800-427-4661 Or call Bluebonnet Insurance Group to speak directly to an agent (210)614-1171
Toll Free (888) 326-1410

If a lender determines that a property is in a special flood hazard area, the borrower is required to purchase flood insurance. A special flood hazard area has a 1 percent chance of being inundated by flood.

The Texas windstorm insurance association (TWIA) is the state’s insurer of last resort for wind and hail coverage in the 14 coastal counties and parts of Harris County on Galveston Bay. TWIA provides wind and hail coverage when insurance companies exclude it from homeowners’ and other property policies sold to coastal residents. You can buy TWIA coverage through local insurance agents if you need it. Bluebonnet Insurance Group can provide costal policies.

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