How Much Is Flood Insurance in Texas?
The average cost per policy in Texas through the NFIP is $1,098.12. Depending on where you live, the average could vary substantially. If you're interested in a quote for a private flood insurance policy to compare costs to the NFIP, we offer both! Quote online to compare costs and coverages side-by-side with our quick online quote tool.
Average Costs through the NFIP
City | Average Cost per Policy |
|---|---|
Houston | $1,140.89 |
San Antonio | $1,155.37 |
Dallas | $827.64 |
Austin | $860.63 |
Fort Worth | $1,011.71 |
El Paso | $785.03 |
Arlington | $976.16 |
Corpus Christi | $1,004.86 |
Plano | $1,116.46 |
Laredo | $1,103.01 |
NFIP Average Prices as of April 30th, 2025
Our Private Flood Insurance Prices Are Often Lower!
Our private flood insurance averages are often much lower than those shown above! Get a quote online and find out how much we can save you.
Easily compare rates from top-rated private flood insurance carriers with an NFIP quote. We offer both! Quote online to compare prices and save money on flood insurance.
How Do I Get Cheap Flood Insurance in Texas?
Private flood insurance may cost less than the NFIP, but not always. That's why we quote both. Instantly compare prices and coverage entirely online! No emails, no callbacks, no waiting.
We'll show you a side-by-side comparison summary of what's covered by the NFIP vs. private flood insurance. So if you ever need to file a claim, there are no surprises, just peace of mind.
Floods are costly. Even a few inches of water can cause tens of thousands of dollars in damage. Most people without flood insurance are left financially devastated. Save money while protecting your home, get a quick quote online and compare your options today.
Do You Need Flood Insurance in Texas?
Yes, we recommend flood insurance if you live in Texas. While you are probably aware of the risks in the southern part of Texas, there are other areas of the state that can have a high risk of flooding. Central Texas, in particular, is prone to flash flooding, the #1 natural disaster threat in the area. Texas frequently ranks in the top 5 states for flood-related damages. If your home is in a high-risk area and you have a federally backed mortgage (virtually all loans are), federal law requires your lender to mandate a flood insurance policy. To find out if you're in a flood zone, enter your address into our Flood Zone Lookup Tool.
Does Homeowners Insurance Cover Flooding?
No, homeowners insurance typically does not include flood coverage. For adequate flood coverage in Texas, consider obtaining a flood insurance policy. Start with our quick quote tool.
5 Texas Flood Facts
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Frequent Flooding: Texas is one of the most flood-prone states due to its size, geographic diversity, and weather patterns.
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Major Flood Events: Texas has experienced some of the most catastrophic floods in U.S. history, including the Centra Texas floods in 1921 and Hurricane Harvey in 2017.
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Variety of Causes: Flooding in Texas can be caused by hurricanes, tropical storms, thunderstorms, and overflow of rivers, lakes, and coastal waters.
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Economic Impact: Flooding events in Texas often cost billions in damages. Hurricane Harvey alone caused approximately $125 billion in damage.
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Flood Insurance: Despite the risk, many Texans do not have flood insurance, leaving a critical gap in coverage.
How to Get Flood Insurance Without a Flood Elevation Certificate.
You don't need a flood elevation certificate to get flood insurance through FloodPrice. Carriers now use geospatial technology to determine a home’s elevation in comparison to where flood waters may go. However, if you still think an elevation certificate might help lower your insurance rates, we encourage you to give us a call. Our flood experts can help you understand how this certificate might impact your costs.
Flood Insurance Pricing Changes in Texas
The NFIP recently adjusted its pricing system called Risk Rating 2.0. Their view of risk assessment now aligns more closely with practices that private carriers implemented years earlier.
As a result, most policyholders in Texas have seen changes to their premiums. According to FEMA, approximately 66% of policyholders nationwide were projected to see price increases with the updated pricing methodology.
Why Did the NFIP Implement Risk Rating 2.0?
FEMA moved away from antiquated pricing based on flood zones and elevation certificates, and toward assessing each individual property. These adjustments are intended to more accurately reflect each property's unique flood risk. The following are considered by the NFIP when calculating your premium:
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Distance to water (river, coast, etc.)
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Cost to rebuild
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Flood frequency and types (coastal, riverine, and heavy rain)
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Ground elevation and foundation type
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Historical claims and mitigation efforts
Compare NFIP with Private Flood Insurance Premiums Online
At FloodPrice, you can compare NFIP and Private Flood Insurance quotes side-by-side with our quick online quote tool. This makes it easier to find a policy that fits your budget and your needs. While private policies often offer more flexibility and may be less expensive for some, the NFIP still offers robust coverage, especially in high-risk or FEMA-regulated zones.
Need help from a Flood Expert? Call us at 866-503-5663 for personalized assistance.
