Flood Insurance
NFIP (Federal) Flood
The National Flood Insurance Program (NFIP), administered by FEMA, is the traditional flood policy. It caps dwelling coverage at $250,000 and contents at $100,000.
What it covers
The specifics.
Building and contents damage from surface flooding — bayou overflow, heavy rain, storm surge — up to the NFIP maximum limits.
Why it matters
Real-world impact.
NFIP is available in nearly every Houston ZIP. Even preferred-risk policies (for lower-risk zones) cost $400–$700/year and cover a rebuild you'd otherwise finance yourself.
Related flood insurance coverage
Other coverages inside your flood insurance policy.
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