Flood Insurance

National Insurance Program

Homeowner’s insurance policies do not cover floods. However, because Friendswood participates in the National Insurance Program, you can purchase a separate flood insurance policy. This insurance is backed by the federal government and is available to everyone, even properties that have been flooded.

Because Friendswood participates in the Community Rating System, you will receive a reduction in the insurance premium. For more information on flood insurance, please visit the FloodSmart website.

Get a Flood Insurance Policy

Get a flood insurance policy. It will help to pay for repairs after a flood and, in some cases, it will help to pay the costs of elevating a substantially damaged building.

Some people have purchased flood insurance because it was required by the bank when they got a mortgage or home improvement loan. Usually these policies just cover the building structure and not the contents, so be sure you have contents coverage.

Do Not Wait

Do not wait for the next flood to buy flood insurance protection. In most cases, there is a 30 day waiting period before National Flood Insurance program coverage takes effect. Contact your insurance agent for more information on rates and coverage.

Preferred Risk Policy

If your property is not mapped in a Special Flood Hazard Area, you may qualify for a lower-cost Preferred Risk Policy.