Hill Country Flood Season: Are You Covered?

The Texas Hill Country is gorgeous — and it floods. We sit squarely in what meteorologists call “Flash Flood Alley,” where limestone terrain sheds water fast and slow-moving storms can drop staggering amounts of rain in hours. If you own property near any of our rivers, this is the most important insurance article you’ll read this year.

Your home policy does not cover flood

Let’s say it plainly: standard homeowners, renters, and most landlord policies exclude flood damage entirely. Rising water — from a swollen river, flash flooding, or drainage backup — is simply not covered. The only protection is a separate flood policy.

The rivers remember

The Hill Country’s flood history is real and recent. Wimberley and the Blanco River saw devastating flooding on Memorial Day 2015. The Guadalupe, Comal, and San Marcos rivers have all flooded severely. If you own near water in Canyon Lake, Spring Branch, or along the rivers, flood isn’t a hypothetical.

”I’m not in a flood zone”

Be careful with that assumption. More than 20% of flood claims come from outside high-risk zones. A low-risk map designation usually just means a lower premium — not that you can’t flood. For many Hill Country homes, an affordable “preferred risk” flood policy is well worth it.

Mind the 30-day wait

Flood policies typically take 30 days to take effect. You can’t buy one as a storm approaches and be covered. The time to act is before the rainy season — calm weather is exactly when you should put it in place.

What flood insurance covers

Generally the building (foundation, electrical, plumbing, HVAC, built-ins) and, on a separate limit, your contents. We place coverage through both the NFIP and private carriers and compare them for your property.

Let’s check your flood risk

Tell us your address and we’ll look up your flood zone, explain your real risk, and quote both NFIP and private options. Get a flood quote or call 830-387-4032 — before the next big rain.