Flood Insurance in Texas

Because Home Insurance Doesn’t Cover Floods

In Sugar Land, Katy, and much of Southeast Texas, floods aren’t rare—they’re expected. And unfortunately, standard home insurance doesn’t cover flood damage. That’s why DeShazo Insurance offers affordable, federally backed and private flood policies to protect your property.

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Flood Insurance Covers:

Our Houston-area clients often choose:

Your Home’s Structure

Protects the physical structure of your home—including walls, roof, and attached features—from covered damages.

Foundation and Built-in Systems

Coverage includes essential elements like your home’s foundation, plumbing, electrical, and HVAC systems.

Personal Belongings And Appliances

Safeguards your valuables, furniture, clothing, and major appliances in case of theft, fire, or other covered events.

Cleanup And Rebuilding Costs

Helps cover the expenses of debris removal, repairs, and rebuilding after a covered loss.

Flood Insurance FAQs

  • Do I need flood insurance if I’m not in a flood zone?

    Term covers you for a set number of years (e.g., 20 or 30), while whole life lasts your entire life and builds cash value.

  • Can I get flood insurance through FEMA?

    Yes. We offer policies through the National Flood Insurance Program (NFIP) and private market options.

  • Is there a waiting period?

    Yes—usually 30 days, so don’t wait until storm season.

  • Does my mortgage lender require flood insurance?

    If you're in a high-risk zone, yes. We’ll help you check flood maps and meet lender requirements.

Stay Protected When Waters Rise

At DeShazo Insurance, we help you prepare for the unexpected. Whether you live in a high-risk area or just want peace of mind, we’ll help you choose the flood coverage that keeps your property protected.