Flood Insurance in Lubbock, Texas
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How Does Typical Home Insurance Define ‘Flooding?’
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Where Can I Purchase My Policy?
The overwhelming majority of flood insurance policies across the US—including in Texas—are sold under the National Flood Insurance Program (NFIP). The NFIP is administered by the Federal Emergency Management Agency (FEMA).
To purchase FEMA flood insurance, you must go through an NFIP-Direct-affiliated agency. Bledsoe Insurance Agency has sold flood insurance through NFIP for many years.
What type of Coverage Do I Need?
NFIP flood insurance policies come in two types:
Standard Flood Insurance
These policies are designed for residents who live in communities with an active and ongoing flood management plan. Such communities must also be able to demonstrate that they have enacted certain NFIP guidelines to reduce flood-based damages.
Preferred Risk Flood Insurance
These flood policies are designed for residents living in low-to-moderate risk zones. Such residents aren’t necessarily required to purchase flood insurance, but have this option in case they experience a small flood or even an unexpectedly large one.