Flood Insurance - Beaumont, Tx

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Do you need flood insurance in Beaumont, TX?
Roughly 11,487 Beaumont Texas homeowners and businesses have more than a 26% chance of being affected by severe flooding over the next 30 years. That number represents 21% of the properties in Beaumont, TX. In addition to property damage, flooding can also disrupt access to utilities, transportation, emergency services, and impact the economic welfare of an area.

Consider this, if your property is in an area with low or moderate flood risk, you are 5x more likely to experience flood damage than a fire at your home over the next 30 years. No matter if you live in or outside a high-risk flood area, as a property owner, you should consider purchasing flood insurance for the relatively cost-effective protection it provides. For many, a National Flood Insurance Program's policy could cost less than $700 per year. Rates vary depending on risk; call TWFG Bobby Count Insurance for a quote on your address.​​
Still not sure if you need Flood Insurance?  Do you have a mortgage?
  • Government-backed loans to businesses and homes in high-risk flood areas are required to have flood insurance.
  • While not federally mandated - many lenders now require flood insurance, even if you live outside of the high-risk area.

Here are few important points to keep in mind:
  • Ninety percent (90%) of U.S. natural disasters involve flooding.
  • An inch (1")of water in your home can cause $25,000 of damage.
  • Homeowners' and renters' insurance policies generally do not cover flood damage.
  • A flood insurance policy will pay a flood claim irrespective of a Presidential Disaster Declaration.
  • Federal disaster assistance comes in two forms: 
    1. ​FEMA Loan – that must be paid back with interest, or
    2. FEMA Disaster Grant – on average, is about $5,000 per household. By comparison, the average flood insurance claim in 2018 was more than $40,000