Flood insurance seems like a "no-brainer" if you live along the Texas Gulf Coast. However, San Antonio residents may wonder if they, too, need to purchase flood insurance when they live more than a hundred miles from the Gulf. While it’s unlikely that coastal waters will reach you in Hill Country, there are still plenty of good reasons to invest in flood insurance.
Reasons to Buy Flood Insurance, Even If You Don’t Live on the Coast
1. You live near a river or other body of water. The Gulf isn’t the only source of floodwaters. Spring rains can send area rivers over their banks, endangering your structure. FEMA reports that 25 percent of flood damage happens to houses in low to moderate risk areas for flooding.
2. Hurricanes can bring storms hundreds of miles inland. Just because you don’t live in Corpus Christi or Galveston doesn’t mean the weather systems and subsequent flooding can’t make their way inland. Just ask the people who live in Western North Carolina.
3. New housing developments can alter the way water drains. They can disrupt the flow of rainwater from existing patterns and cause flooding. Plus, the increased number of asphalt and concrete surfaces associated with new development can impede the natural absorption of rainwater.
Most homeowners’ and renters’ insurance policies exclude coverage for damage caused by flooding. You must purchase separate flood insurance to protect your property and belongings from this peril. To learn more about flood insurance for your San Antonio, TX home and all of your insurance concerns, contact Shavano Insurance Agency LLC. We’ve been helping Texas Hill Country residents with their insurance needs for more than a decade.
