Do I Need Insurance If I Live Outside a Flood Plain?

The agents of Memorial Insurance Agency serve residents who live in the Houston, TX area. They understand that purchasing home insurance can be confusing at times, so they are always available to answer questions and address any concerns their clients may have. One concern that often arises is whether or not flood insurance is needed. Knowing where flood plains are located will help answer this question.

What Is a Flood Plain?

A flood plain is a geographic area of land where floods are most likely to occur. A flood plain extends outward from bodies of water like lakes, rivers, streams, ponds, and coastal regions. Flood plains normally include any low lying areas where water may not be able to escape from. If you are concerned about flooding and want to know if your property lies within or near a flood plain, talk to your insurance agent. They can find that information out for you.

Different Types of Storm and Water Damage

Texas is known for strong storms and intense weather conditions  Strong winds and heavy rains can wreak havoc on already full lakes, ponds, and rivers. Heavy rains can also cause large pools of water to form in areas that don’t normally flood or hold water. This isn’t necessarily considered flooding but may fall under the category of storm damage.

The agents of Memorial Insurance Agency understand how confusing it can be trying to figure out your insurance when it comes to flooding and water damage. Residents who live in the Houston, TX area should contact an agent if they have questions about whether or not they are close to a flood plain and how this will impact their insurance needs.