Is Flood Insurance Necessary in Arlington, Texas? 

When most people think of flood-prone areas, coastal cities come to mind. But even inland communities like Arlington, Texas, are not immune to the risks of flooding. This raises an important question: Is flood insurance necessary in Arlington, Texas?

Why Flood Insurance Matters

Arlington may not sit on the Gulf Coast, but it still faces threats from flash floods, poor drainage systems and heavy rainfall. Flooding can happen anywhere—not just in designated flood zones. If your home is in a high-risk flood zone, and you have a federally backed mortgage, flood insurance may be required by law. However, it is highly recommended even if you don’t live in an area that is considered high-risk. In fact, 25% of all flood claims come from homes in low- to moderate-risk areas, according to the Federal Emergency Management Agency.

What Homeowners Insurance Doesn’t Cover

Many homeowners are surprised to learn that standard insurance policies do not cover flood damage. That means a single storm could leave you with thousands of dollars in repairs—and no financial safety net unless you have a separate flood insurance policy.

Benefits of Flood Insurance

Flood insurance can offer the following benefits:

• Coverage for structural damage to your home, including walls, flooring and built-in appliances.

• Financial protection for personal belongings, such as furniture, electronics and clothing.

• Assistance with temporary housing expenses in the event that a residence becomes uninhabitable due to flood-related damage.

• Faster recovery after a disaster, helping you get back on your feet without relying solely on federal aid (which may be limited or delayed).

Learn More

For flood insurance near you, contact GEC Insurance Services.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.