wicker-parker@nts-online.net

(325) 437-0677

Flood Insurance in Abilene, TX, & For all of Texas, Oklahoma & Alabama

Texas, Oklahoma, and Alabama Flood Insurance

Many homeowners are surprised to learn their home insurance policies don’t cover flooding events. That’s right: Most homeowners policies won’t cover flood damage.

This fact puts many Texas and Alabama residents—especially those living on or near Gulf Coast floodplains—in a difficult position. For theses residents, proper flood coverage isn’t optional—it’s an absolute must.


Where Can I Buy Flood Insurance in Texas?

The overwhelming majority of flood insurance policies across the US—including in Texas, Alabama and Oklahoma—are sold under the National Flood Insurance Program (NFIP). The NFIP is administered by the Federal Emergency Management Agency (FEMA).

To purchase NFIP flood insurance from FEMA, you must go through an NFIP-Direct-affiliated agency. Wicker-Parker Agency has sold NFIP flood insurance for many years.

How Does Typical Home Insurance Define Flood Damage?

If a pipe in your home busted and flooded your floor, would it be considered a “flooding event” and thus, not reimbursed by your homeowner’s policy? Or would it be covered?

If you answered, “Yes, this event should be covered under my home insurance” (or something similar), you’re correct. A flooded floor or other water damage to the home caused by a busted pipe (or even a malfunctioning appliance) would likely be covered by a typical homeowners insurance policy.

What kinds of events, then, are classified as “flooding” and are thus not covered under a standard home insurance policy? Obviously, a heavy rainfall event wherein water rose into your home would be considered flooding.

However, other kinds of damage classified as “flood damage” under standard home insurance and flood insurance policies aren’t quite so obvious. In other words, your house doesn’t need to flood with rainwater to sustain “flood damage.” As specified in typical homeowners and flood insurance policies, flood damage also includes:

  • Rain damage
  • Storm surge damage
  • Mud damage
It’s a guarantee that your existing home insurance (or any home policy you’re considering for purchase) won’t cover the above events.

What type of Texas Flood Insurance Do I Need?

NFIP flood insurance policies come in two types:

Standard Flood Insurance

These policies are designed for residents who live in communities with an active and ongoing flood management plan. Such communities must also be able to demonstrate that they have enacted certain NFIP guidelines to reduce flood-based damages.

Preferred Risk Flood Insurance

These flood policies are designed for residents living in low-to-moderate risk zones. Such residents aren’t necessarily required to purchase flood insurance, but have this option in case they experience a small flood or even an unexpectedly large one.

Wicker-Parker Insurance Agency Sells FEMA Flood Insurance

If you’re shopping for flood insurance in Abilene Texas, or anywhere else in Texas, Alabama, or Oklahoma, we’d be thrilled to hear from you! As an NFIP-Direct-affiliated agency, we can help you find and purchase an appropriate flood insurance policy.

We’ll answer all your questions about flood insurance and help you make informed coverage decisions. For a free flood insurance quote, click here, or call Wicker-Parker Insurance Agency today at 325-437-0677!