Flood Insurance in Cypress, TX

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There are different types of flood insurance for your home located in Cypress, TX.  

FEMA or NFIP underwritten policies are the most popular.  NFIP stands for National Flood Insurance Program.  These policies have a 30-day waiting period for a home you already own or if you are purchasing a home without a mortgage.  Obtaining flood insurance for a home closing on or before the day of closing, and there is a mortgage on the home, the coverage is effective the day of closing.  There are maximum limits to a FEMA policy, but the cost is minimal for homes located outside of the 100-year flood plain.  FEMA flood insurance does not cover any additional living expenses should you be displaced from your home due to a flood.  

Excess Flood is an additional flood insurance policy that offers coverage beyond a FEMA flood insurance policy.   These policies are a little more expensive, but you are receiving a higher benefit.  

Private Flood Insurance is an option if you do not choose to participate with a FEMA flood insurance policy.  Private Flood offers a shorter waiting period, higher limits and additional living expenses should you be displaced after your home has flooded.  

Keep in mind, flooding events are unexpected and cannot be predicted.   As with any type of insurance, it's important to have your flood insurance coverage in place BEFORE a loss occurs.  Carrying flood insurance on your home offers you peace of mind when it rains.  Let's face it, our area is flat, oftentimes we receive a lot of accumulation when it rains, the weather is unpredictable... so call Fulshear Insurance Group to purchase your flood insurance policy today!  281.533.0999