El Paso Flood Insurance

(Find the right flood insurance policy for you.)


El Paso normally has a hot and dry desert climate, but the city is subject to seasonal monsoon rains. Past floods have demonstrated that heavy rains can overwhelm the city’s flood control measures if they drop a lot of precipitation in a short period of time. In the summers, when moisture from the Gulf of Mexico and the Gulf of California bring heavy thunderstorms and flash flooding, residents can benefit from having an El Paso, TX flood insurance policy in place.

You can get more information about your risk of flood damage by speaking with an independent agent in the Trusted Choice® network. Your local member agent can review flood zone maps with you, answer your insurance related questions, and help you secure a flood insurance policy. Contact a member agent near you to start comparing El Paso flood insurance quotes for a variety of different coverage levels.

El Paso, TX Flood Facts

  • Number of El Paso properties in 100 year floodplain, 2012: 33,233
  • Number of El Paso properties in 100 year floodplain, 2010: 24,484
  • Estimated Property Damage from 2006 El Paso flood: $98 million

The flood insurance reform act of 2012 requires areas prone to flooding to reassess and redraw their flood zone maps. Thanks to the new maps drawn for El Paso, almost 10,000 new properties have been added to the list of those that must have flood insurance coverage.


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Our independent agents shop around to find you the best coverage.

Why Purchase Flood Insurance?

Many property owners discover too late that homeowners and business insurance policies do not provide coverage for damage caused by floods. Only a flood insurance policy issued through the National Flood Insurance Program, or NFIP, can provide this coverage.

If you live in a designated high-risk flood zone, you will be required by your mortgage lender to carry flood insurance for the life of your loan. If your house is outside of these zones, flood insurance is an optional purchase. If your home has recently been added to an area that is considered high-risk, you may have received a notice in the mail that you must purchase this coverage. Some people believe that if their home is in an area that has been declared a federal disaster area because of flooding, FEMA will provide them with the funds necessary to repair or replace damaged property. However, this funding is not the same as flood insurance. It comes only in the form of low-interest loans that must be repaid.

If you have questions about El Paso flood insurance and want to know whether or not you have the necessary coverage to protect your home and your belongings, make sure to talk with an agent in the Trusted Choice network.  An agent can help you understand how your auto, home, and business are covered for this natural disasters.

What Is NFIP-Backed Flood Insurance?

Flood damage coverage is nearly always excluded from homeowners insurance policies as well as commercial insurance policies.  This is why the NFIP was created by the federal government in the 1960s. It is meant to protect property owners from the overwhelming financial hardships that flood damage can bring to a community.

You cannot be turned down for a flood insurance policy because you live in a high-risk area, nor will your rates increase if you file a claim. The monthly price of a policy is usually considerably lower than payments on a FEMA-provided low-interest loan would be, and securing this coverage is a great way for homeowners and renters to safeguard their investments.

Be aware that policies take 30 days to go into effect, so do not wait until flooding is imminent to secure your El Paso flood insurance policy.

What Does Flood Insurance Cover?

NFIP-provided flood insurance offers two types of coverage, one for the structure of your home or business and one for the contents kept within. You can choose to purchase either one or both, depending on your coverage needs. Most homeowners opt to purchase both, while renters will only require contents coverage.

  • Building coverage: This coverage will compensate you for flood damage to the building and its foundation, as well as to its plumbing and electrical systems, built-in appliances, the furnace and air conditioning unit, and permanently installed carpeting over unfinished floors.
  • Contents coverage: This coverage will compensate you for loss or damage to the property in your home including clothing, furniture, window-treatments, electronics, window air-conditioners, portable appliances, artwork and flooring. Flood insurance will not, however, cover contents kept in a finished basement.

How Much Does El Paso Flood Insurance Cost?

The cost of flood insurance is standard and is based only on the designated flood risk where your property is located and how much coverage you choose to buy. According to FEMA, preferred-risk policies start at just $129 per year and the average cost of a policy is about $600 per year.

Considering the high cost of damage a flood can bring, these rates are very low for the added protection to the investment you have made in your home.

Get El Paso Flood Insurance Quotes the Easy Way

Though flood insurance is offered by the federal government, it must be purchased through a qualified insurance provider. Securing a Texas flood insurance policy for your home or business is simple with the help of an agent in the Trusted Choice network. Your local member agent can help you determine how much coverage you need and can provide you with information about how much you can expect to pay for different coverage amounts.

Independent agents can do more than just help you secure a flood insurance policy. They will be available to assist you with all your insurance-related needs and can even advocate for you during the claims process. Contact an independent member agent in your neighborhood today to start reviewing El Paso flood insurance quotes.

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