Flood insurance is separate from homeowners insurance in Liberty County

Many Liberty County homeowners find out too late that their regular policy does not pay for flood damage. Flood coverage comes from a separate policy, usually through the National Flood Insurance Program (NFIP). Mortgage lenders require flood insurance if your home is in a high-risk flood zone, but damage can happen outside those zones too.

The Trinity River floodplain covers a large swath of the county. Even homes not in an official high-risk zone have flooded during major storms. To check your risk level, use the FEMA Flood Map Service Center and enter your address. Then talk to your insurance agent about whether a flood policy makes sense for your situation.