Flood insurance in Fort Worth
Home and renters policies do not cover flooding. Flood insurance is its own policy, and it has to be bought before the rain is in the forecast.
Days before most flood policies start
30
Most flood policies have a 30 day waiting period. A policy bought the week of the storm will not help with that storm.
What does a federal flood policy cover?
| Coverage | Limit | What it pays for |
|---|---|---|
| Building | Up to $250,000 | The foundation, electrical and plumbing systems, and finishings. |
| Contents | Up to $100,000 | Appliances, electronics and personal belongings. |
Limits for a residential policy from the National Flood Insurance Program. Private flood carriers can write higher limits.
Who needs flood insurance in Fort Worth?
The forks of the Trinity River run through the city, and the creeks that feed them run through its neighborhoods. Benbrook Lake, on the Clear Fork southwest of town, was built by the Corps of Engineers for flood control.
If your house is in a mapped high risk flood zone and you have a mortgage, your lender will ask for a flood policy. Outside those zones it is your choice, and houses there flood too, usually from heavy rain with nowhere to drain.
We look up your address on the federal flood map, tell you what zone it is in, and price the federal program beside any private carrier that writes your street.
What else does Sideoats write?
We are an independent agency, so your policy can be placed with the carrier that fits and checked against the others at renewal.
Home
Hail, wind, fire and theft, with the deductible worked out in dollars before you sign.
Auto
The Texas minimum is 30/60/25. We show you what the next step up covers.
Renters
Your landlord's policy covers the building. This one covers what is inside it.
Flood
You are on this page.
Business
General liability, commercial auto and property for shops, trades and offices.
Umbrella
Extra liability coverage that sits on top of your home and auto policies.
Flood insurance, answered
Does homeowners insurance cover flood damage?
No. Most home policies do not cover flooding. It takes a separate flood policy.
How long before flood insurance takes effect?
Most flood policies have a 30 day waiting period, so buy it well before storm season.
How much does the federal flood program cover?
A residential policy from the National Flood Insurance Program covers up to $250,000 for the building and up to $100,000 for contents.
Can renters buy flood insurance?
Yes. A renter can buy contents coverage for belongings. A renters policy by itself does not cover floods.
Have us read your policy
Send four details and an agent calls back the same business day. Bring your current policy to the call and we will find the deductible together.
Monday to Friday, 8:30 AM to 5:30 PM Central. Magnolia Avenue, Near Southside, Fort Worth.