11% of Texas Communities Pass on Federal Flood Insurance Protection | Insurify [Video]

Texans are familiar with tornadoes, but flooding is becoming a major problem for Texas homeowners as well. Heavy rainfall and devastating flooding are steadily increasing in the Lone Star State, climatologists say.

Yet 135 Texas communities, all in identified flood hazard areas, don’t participate in the National Flood Insurance Program (NFIP). Property owners in these communities can’t buy federally backed flood insurance and won’t receive federal aid in the event of a flood disaster.

Since standard homeowners insurance doesn’t cover flooding, property owners in communities that don’t participate in the NFIP have to face the financial burden of flood damage on their own.

Texas’ NFIP enrollment

In addition to flood insurance, the NFIP works with communities on flood resiliency and floodplain management, as well as providing disaster assistance. Communities not enrolled in the NFIP aren’t eligible for the program’s benefits.

“If a community chooses not to participate, then flood insurance through the NFIP …