Fort Worth Flood Insurance

The Importance of Fort Worth, TX Flood Insurance

(Find the right flood insurance for you.)


The official website of the city of Fort Worth warns residents to be wary of floods. Every year, more people are killed by floods than by hurricanes, tornados, or lightning strikes. Past floods in the Dallas-Fort Worth area cost residents and insurance companies billions of dollars in damages. It is very important to be sure you have the right Fort Worth, TX flood insurance to cover your home and personal property.

Independent insurance agents in the Trusted Choice® network may not be able to stop rising waters, but they can suggest coverage options based on your location and risks, and can help you compare Fort Worth flood insurance quotes. Contact a member agent in your neighborhood today for more information.

Fort Worth, TX Flood Facts

  • Number of deaths due to rising water in Fort Worth since 1986: 17
  • Cost of flood damage in Tarrant County, 1976 to 2001: $2,706,815
  • Texans experienced the most flood fatalities in the U.S. between 1960 and 1995
  • Number Texas of flood fatalities, 1960 to 1995: 612

Rising waters on roadways account for many flood fatalities and lost vehicles. The city of Fort Worth is proactively installing high water warning systems on many flood-prone roads. Storm surges, heavy rainfall, and overwhelmed drains and sewers can all lead to extensive flooding into homes and businesses.


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Is Fort Worth Flood Insurance Necessary?

The Federal Emergency Management Association (FEMA) defines a high risk flood zone as an area where there is a one in four chance of heavy flooding during a 30 year mortgage. Many homes and businesses in Fort Worth fall into these zones.

If your building is in a high risk area, your mortgage lender will require you to have flood insurance. If your building is in a low- to moderate-risk area, these policies are optional. While those in flood zones are at higher risk, floods can occur anywhere. About 30 percent of all flood claims filed nationally are for damages that occur in low-risk areas.

What Is Flood Insurance?

Flood insurance is a federally backed insurance policy. The National Flood Insurance Program (NFIP) was created in the 1960’s by Congress as a way to help citizens deal with the aftermath of catastrophic floods. Until then, most people had no way to obtain insurance coverage for this very expensive problem.

Many people believe that if they experience severe flood damage, FEMA will provide financial assistance to rebuild and repair. However, this assistance comes only in the form of loans that must be repaid to the federal government. It is not an insurance policy.

What Does Flood Insurance Cover?

You can choose to purchase coverage for the structure of your home or building only, for the contents of your home or building only, or both. Renters, for example, will only need to purchase contents coverage while landlords will likely only be interested in structural coverage.

If you have contents coverage, it will include compensation for damages to appliances normally kept in basements, such as hot-water heaters and washers and dryers. It will not, however, cover the cost of repairing home improvements in the basement area if it is damaged by a flood.

How Much Does Fort Worth Flood Insurance Cost?

Because this is a federally-backed program, the rates for this coverage are standard and based only on your flood risk, the types of coverage you buy, and the amount of coverage you buy. Preferred-risk policies start at $129 annually.

An agent in the Trusted Choice network can help you assess your flood risk and can review the costs of different levels of coverage with you. Your agent can also help you best determine how much coverage is enough.


Save on Flood Insurance

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

Get More Information About Fort Worth Flood Insurance

Allow a Trusted Choice member agent to help you assess your risk of flood damage. These agents can be found in more than 27,000 locations nationwide and you can find an agent who will work with you personally, right here in Fort Worth. Your agent will understand the unique risks faced by residents of your community.

Though flood coverage is provided by the federal government, you can get your policy through your local Trusted Choice member agent. Your agent can present you with a variety of Fort Worth flood insurance quotes for different levels of coverage so you can choose the right policy for your needs and budget. Contact an agent in your neighborhood today to receive more information.

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