Do Landlocked Texans Need Flood Insurance?

3D concept of flooded home

Natural disasters come in all shapes and sizes, but in Texas, like all things, they tend to be bigger. You won’t see a volcano anywhere around, but severe storms, hurricanes, tornadoes, and floods can strike without warning, and cause extreme, usually irreversible damage to families’ properties, belongings, and livelihoods. Despite the fact that most of the state is landlocked, flooding remains a serious concern for many Texas residents. Because of the increased risk, adequate flood insurance and other natural disaster protection is essential to custom-building a comprehensive home insurance plan.

Flood Insurance

Apropos of its name, flood insurance is protection for your home and belongings in case they’re damaged or destroyed by a flood. The problem for many people is that, when they think of flooding, they think of oceans and bodies of water, and if they’re landlocked, then flood insurance might not even cross their minds. As countless Texans could tell you, however, not being near a body of water doesn’t mean you’ll never experience a flood, and if you aren’t prepared, then the results could be devastating.

Flooding in Texas

The erratic rain patterns that characterize Texas weather are a main reason behind flooding, particularly along the coastline where hurricanes and costal surges might occur during the storm seasons. Besides overflowing coastal waters, though, other common causes of flood damage can include;

  • Overflowing rivers, or manmade lakes
  • Excessive rain-fall in a dry area
  • Sinkholes
  • Broken water pipes and other plumbing failures (not natural, but still disastrous)

Additional Coverage

Though highly necessary, flood insurance isn’t an automatic part of your homeowner’s or renter’s insurance policy, and will have to be purchased separately from your main plan. To help you determine the right amount of flood insurance, and any additional natural disaster coverage, if necessary, our team of independent insurance agents will consult with you personally to determine your specific risks and needs.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, visit us online, or call our Carrollton office today at 972-492-8500.