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Don Atwell & Associates

1700 N. Hampton Rd Suite 100
Desoto, TX 75115

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Flood Insurance in Texas


One of the most common questions that we get about flood insurance is, “Do I need it?” while a close second is, “Do I already have it?” Since flood insurance is only used in a catastrophic event, it’s common for Texas property owners to have questions about it – and that’s why we’re here. Let’s go over a few of the most important things you should know about flood insurance.

Flood Insurance is Not Part of Home Insurance

This is a common misconception. Home insurance does cover events like fires and some types of storm damage. However, it does not include widespread and catastrophic events like flooding. For that, you need a separate policy. This policy can sometimes be bundled with home insurance for easier buying and paying options, but it is not included under the home insurance umbrella.

Flood Insurance Requirements Are Based on Federal Flood Maps

Do you need flood insurance? That depends where you live. Federal flood maps are used to show flood zones where the risk of flooding is higher. If you have a property in a zone that has a high risk of flooding compared to other areas, you are required to have flood insurance. This is a particularly important point for Texas, because it has some of the largest flood zones in the country, including much of the coastline and large central zones where flash flooding is a danger.

Flood maps are examined and updated over time, which means requirements can change. An insurance agent can help you learn more.

Flood Insurance Takes Time to Go into Effect

Flood insurance usually takes around 30 days to go into effect. This regulation prevents people from buying insurance right before a big rainstorm is predicted – so it’s essential to plan ahead of time.

If you have any further questions about flood insurance or what to know about the requirements in your area, contact Don Atwell & Associates in Desoto, TX today! We’ll be happy to help you find the right policies for Desoto, TX residents, and those in the surrounding area.

Partner Carriers


  • AIG
  • American Modern
  • Assurant Flood
  • Berkshire Hathaway
  • Bristol West
  • BTIS
  • Chubb
  • CNA
  • Encompass
  • Foremost
  • Guard
  • Hagerty
  • Hartford
  • Hiscox
  • Home State
  • Metlife
  • Nationwide
  • Progressive