Home Buyer's Guide - Why flood insurance?

A number of years ago we had a drought in our area and then the next year it couldn't stop raining.  Since we live in such a low lying area it is not a bad idea to get flood insurance.  The picture to the right is a picture of Spring Creek. The operative word here is Creek not River.  Typically when going over this bridge you have to look hard to find the water.  Not so at the moment.

It had been years since we had flooding in our area but this brought back to me how important it is that everyone get flood insurance.  With the Houston area being so low you don’t have to live close to a river or a creek to flood; street flooding is not uncommon.  It was shortly after we had built our house; the house behind us was being built and the builder had put in too much soil in the back yard.  We had a thunderstorm and being originally from Kansas my husband had went out on the back porch in the middle of the night to enjoy the storm.  As he opened the door he noticed that the water was almost to our back door.  The fence was acting like a damn so he opened the side gate and whoosh we were saved. The next day I ordered flood insurance.

Personally I think everyone in the Spring/Tomball/Magnolia/The Woodlands area should have flood insurance.  When you don’t live in a floor plain it is relatively inexpensive.  Typically it cost less than $400 a year but for the peace of mind it gives it is worth every penny.  I have worked with clients that have flooded and I think it is almost worse than a fire.  In a fire everything is just gone but in a flood it is still there to see but totally ruined.  It will take about a month to get your policy going.  I’m not sure why but that is the way it is.

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© 2017 Houston Association of Realtors All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Real estate listings held by brokerage firms other than Results Realty are marked with the BR logo and detailed information about them includes the name of the listing brokers. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. Information last updated on 2017-06-23.

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