San Antonio Flood Insurance

(Learn how to find the right flood insurance for you.)

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


San Antonio is located in the part of Texas commonly referred to as “Flash Flood Alley.” Recent projects along the San Antonio River watersheds aim to alleviate the flood problem for area residents, but the risk of expensive water damage still exists. 

Be sure to protect the investment you have made in your property with a San Antonio, TX flood insurance policy. Independent insurance agents in the Trusted Choice® network can help you obtain a flood insurance policy through the National Flood Insurance Program (NFIP).

San Antonio, TX, Flood Facts

  • The National Weather Service identified South-Central Texas as one of the most flash-flood-prone areas in the United States.
  • The San Antonio River Basin has five watersheds.
  • In 2002, 35 inches of rain fell over an 8-day period and caused extensive flooding that damaged more than 48,000 homes around the San Antonio area.
  • In 1998, 30 inches of rain in two days flooded the San Antonio River and caused more than $500 million in damage.

Flooding in the San Antonio area is to be expected and often leads to extremely costly damage. If your home is part of the designated flood zone of the recently redrawn San Antonio flood zone maps, you have probably received a notice from your mortgage company about the need for flood insurance.

Who Is Required To Purchase San Antonio Flood Insurance?

If you live in a FEMA-designated flood zone, your mortgage provider will require you to carry flood insurance. All federally regulated and insured lenders must require this coverage for high-risk homeowners. If you live outside of a designated flood zone, this coverage is optional, but it is highly recommended.

Why Consider Optional Flood Insurance?

Having a flood insurance policy is the only way that you can receive compensation for flood damage to your home. Surprisingly, people who live outside of designated flood zones file 20 percent of all flood claims.

Many people are surprised to learn that their homeowners insurance policy will not provide compensation for flood damage. Only an NFIP-backed flood insurance policy can provide this coverage for you. You cannot rely on compensation from FEMA after a storm. The financial assistance provided by FEMA comes only in the form of low-interest loans that you must repay. Financial assistance from FEMA is not the same as an insurance policy.


Save on Flood Insurance

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

Is San Antonio Flood Insurance Expensive?

Because the NFIP underwrites all flood insurance policies, the policy rates are standard. How much your policy will cost depends on whether you live in a high-risk flood zone, how much coverage you purchase and what type or types of coverage you purchase. You have the option of purchasing insurance for the building structure only, your personal property only or both.

If you are a renter, you will only need contents coverage, and if you are a property owner, you generally need only structural coverage. Policies start at just $129 a year. On average, Texans pay a bit less than $600 a year for their policies.

You can purchase as much as $250,000 in structural coverage and $100,000 in contents coverage. How much coverage you purchase is dependent on the value of your home and belongings, and your perceived risks. An agent in the Trusted Choice network can help you assess your coverage needs.

It Is Easy to Buy San Antonio Flood Insurance

Because the government provides flood insurance, they cannot turn you down for a policy just because you have filed claims in the past or because you live in a high-risk flood zone. You can purchase this insurance directly through a qualified insurance company. Agents in the Trusted Choice network can answer your flood insurance-related questions and help you secure a policy.

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