Flood Insurance in Kaufman, TX
Flood insurance is a separate policy from homeowners coverage. Most Texas residents purchase through the National Flood Insurance Program (NFIP), but private flood markets have grown -- and often beat NFIP rates and limits. If you live in a FEMA-designated flood zone, your mortgage lender requires it.
2 flood insurance agencies in Kaufman
Within 15 miles of Kaufman, TX. Click any agency to view profile, contact info, and request a quote.
RW Insurance Services Inc
RW Insurance Services Inc offers a range of insurance options for Texas residents, including home, auto, commercial, boat/watercraft, flood, motorcycle, and RV coverage. Their team works to match policies to individual needs and provides personalized assistance.
Hernandez Insurance Agency
We are an insurance broker agency with more than 19 years of experience offering a one‑stop shop where you can get home, auto, commercial auto, general liability, renters and life insurance, plus notary services, translations, tax processing and financial education.
Frequently asked questions
Is flood insurance required?
Mortgage lenders require it for properties in FEMA Special Flood Hazard Areas (SFHAs). Even outside an SFHA, it's worth carrying -- about 25% of NFIP claims come from low/moderate-risk zones.
How long until coverage starts?
NFIP policies have a 30-day waiting period from purchase to effective date (with a few exceptions, like loan closing). Private flood policies sometimes offer shorter waiting periods.
What does flood insurance cover?
Building structure (foundation, walls, electrical, plumbing) and contents (furniture, appliances). Standard NFIP limits are $250K building / $100K contents for residential. Higher limits available through private markets.