Flood Insurance in Houston & Tomball, TX - Be Prepared For The Next Storm

Why Flood Coverage Matters Here

In Greater Houston, heavy rain can arrive any season. Standard home policies exclude flood damage, so a separate policy is essential for Tomball, Cypress, Spring, and beyond. O'Sullivan Integra helps homeowners and renters secure flood insurance Tomball TX through the NFIP or private markets-so you're covered before the water rises.

What Flood Insurance Typically Covers

Choose the protection that fits your property:

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Building Coverage

Foundation, walls, electrical, HVAC, built-ins, and appliances.

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Contents Coverage

Furniture, clothing, electronics, and other belongings (purchased separately under NFIP).

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Waiting Period

NFIP policies generally have a waiting period before coverage begins; certain lender-required policies may be immediate.

Who Needs It In The Houston Area

If you're in a mapped high-risk zone with a mortgage, your lender likely requires flood insurance. Even in lower-risk areas around 77377 and the SH 249 corridor, localized flooding happens. Many clients choose protection due to bayou proximity and frequent storm systems.

What Impacts Cost

Rates consider your flood zone, elevation, foundation type, and coverage amounts. We'll review maps, past claims where relevant, and policy options so pricing is clear and coverage fits your home and budget-whether you're near Spring Creek or closer to the Beltway.

Questions Homeowners Ask About Floods

  • Can I buy flood insurance if I'm not in a floodplain?

    Yes-and it's often more affordable in low-to-moderate risk areas.

  • Does flood insurance cover burst pipes?

    No. Flood insurance addresses natural flooding (rising water). Sudden plumbing leaks are handled under home insurance.

  • Can contents be covered separately?

    With NFIP, contents are a separate selection. Private policies may package building and contents-ask us for comparisons.