How to Determine if a Property Lies within a Flood Zone

When house hunting in Brownwood, TX, you’ll find it helpful to know if a property lies within a flood zone. If it does, the home will cost you more each month because you’ll need to purchase flood insurance for it to comply with federal law.

Robnett Integra Insurance Services can help you comply with the law. We also want to help you understand how to tell if a home you’re considering purchasing will require this extra policy.

Check the Realtor’s Website

The listing agent or real estate agent handling the home for its owners should list any unusual or unique features of the house, both good and bad, in its description. Typically, the only time you’ll see a mention of a flood zone means it requires insurance. That’s part of what falls under legal disclosure requirements when selling a property.

Check the FEMA Website

The Federal Emergency Management Agency (FEMA) maps the US for flood zones. It conducts studies of each locality to determine flood risk at the home level. That massive undertaking began in the 1970s and continues today. The Agency makes these maps available on its website.

Choose to view your potential homes in the FEMA viewer or National Flood Hazard Layer (NFHL). You can choose either from the main page we link to above. These satellite views of the local areas can also help you see the neighborhood and its layout. If you zoom in, it provides a fine enough view to determine which homes have solar panels on the roof, which ones have a swimming pool, and what types of vehicles were parked in the driveway when the satellite took its photo.

The maps tell you where the flood zone lies and which zone the address falls within. If FEMA zoned the neighborhood A or D or something else, it will appear on this map. If the property falls within a zone marked A, AE, AR, A1-A30, A99, AH, AO, V, VE, or V1-V30, it requires flood insurance.

Contact Us

Contact Robnett Integra Insurance Services to protect your Brownwood, TX with flood insurance. Let us help you protect your financial security.

A Guide To Help Southwest Texas Residents Find Flood Insurance

Robnett Integra Insurance Services offer coverage to the Brownwood, TX community. We recognize that each of our clients has unique individual needs. We strive to find custom policies for our clients to protect them in any situation. We believe in being transparent with our clients at all times.

Flood Insurance Guide For Southwest Texas Residents

The Southern part of the United States is prone to severe weather. Hurricanes and tornadoes come through the coast at multiple points during warm seasons. These heavy storms often leave flooded areas in their aftermath. As a Brownwood TX resident, you are likely aware of the dangers that a natural disaster may bring. You can protect your assets through flood insurance. Flood insurance covers you if your property and personal items are damaged due to a flood. Think about the potential losses: water heater damage, electronics, appliances, flooring. Replacing those personal items without coverage could put you in a difficult position. That’s why flood insurance is an asset. It alleviates a lot of stress as you figure out how to repair or replace these items.

Be mindful that flood insurance may be mandatory if you reside in a high-risk flood zone. It’s also important to remember that there are differences between flood damage and regular damage. Generally, flood damage covers a large acre of land. It may stretch through an entire street or neighborhood. If a pipe bursts in your home and damages your property, that is not considered flood damage. Make sure that you read over your policy carefully so that you’ll know the situations when you are and aren’t protected.

Robnett Integra Insurance Services Will Help You Protect Your Assets

Visit our website to learn more information on flood insurance.  

Should I get flood insurance for my property?

Anyone that lives in the Brownwood, TX area should consider owning their own home. When you are a property owner in this area of the state, you need to make sure that you are correctly insuring your property. One way that you can do this is by getting flood insurance. There are several situations when getting flood insurance coverage is right for you and your property. 

Located in Flood Zone

One situation when you may need to get flood insurance coverage is if you are located in a flood zone. Those that are in certain areas of Brownsville could be in a FEMA flood zone. If this is the case for you, any mortgage lender will want to make sure that you have the right insurance coverage in place to protect your home and their collateral. In these situations, it is very common for a lender to also escrow for your payments every month. 

Additional Coverage

Even if you are not obligated to carry this insurance, you may still want to have it if you are concerned about flood risk. If you are concerned about the risk of flood damage, you should look into the additional protection provided by flood insurance coverage. This will give you coverage to repair your property following flood damage if it is not included in your base policy. 

There are many situations when getting flood insurance for your property would be a good idea. If you are trying to determine whether you should get this coverage, you should contact the professionals at Robnett Integra Insurance Services. When speaking with the team at Robnett Integra Insurance Services, Brownwood, TX property owners will learn a lot more about their insurance options. They can then figure out if getting flood insurance is right for their situation.