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Flood Insurance

Flood Insurance

Get protection against the No. 1 natural disaster in the U.S.

Manage your insurance account

Manage your insurance account

We make it easy to manage your insurance products online or by calling an agent.
You can reach us at (888) 833‑7358.

When waters rise, be ready.

Did you know homeowners insurance typically does not cover floods? Let TDECU Insurance Agency, LLC help you with flood insurance to protect your home. Since more than 20% of flood claims are in low- to moderate-risk regions, it is important to consider adding a flood insurance policy to your home coverage.

And remember, flood insurance policies typically have a 30-day waiting period, so now is the time to make sure you are protected.

What does flood insurance cover?

According to FEMA, you can purchase coverage to help protect your home, your personal belongings, or both.
Here are some basics for these two types of coverage:

Building property coverage

Building property coverage

  • What it helps protect:
    The physical structure of your home and its foundation; plumbing and electrical systems; central air and heating systems; attached bookcases, cabinets, and paneling; and a detached garage. Other detached structures require their own policy.

  • How it typically pays out:
    Replacement cost basis (what it would take to repair the home in today’s dollars) for a primary residence and actual cash value for a vacation home.
Personal contents coverage

Personal contents coverage

  • What it helps protect:
    Clothing, furniture, and electronics; curtains; some portable appliances; freezers and the foods within them; and certain valuables like art (up to a specified limit).

  • How it typically pays out:
    Actual cash value basis (takes depreciation into account).

What is not typically covered by flood insurance?

It is just as important to know what is not covered by flood insurance. Here are some types of property and expenses that fall outside the scope of a basic flood insurance policy, according to the NFIP’s summary of coverage:

  • Moisture or mold/mildew damage that “could have been avoided by the homeowner”
  • Currency, precious metals, and paper valuables like stock certificates
  • Outdoor property such as decks, fences, patios, landscaping, wells and septic systems, and hot tubs and pools
  • Cars and other self‑propelled vehicles
  • Living expenses, like temporary housing
A TDECU Insurance agent can help you purchase an NFIP flood policy.

Contact us today to get started.

What are the benefits of getting insurance through TDECU?

Competitive Prices

Competitive Prices

We will shop competitors to ensure you get the best coverage at the best value.

Wide Variety of Options

Wide Variety of Options

We work with many different insurance carriers — and we do the homework for you.

Annual Reviews

Annual Reviews

We will make sure your coverage is still the best choice as your needs change.

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Ready for the security that comes with coverage?

Our insurance professionals are eager to get to know you, your family, and your business. We understand insurance can feel complicated, but we are here to simplify your experience and your outcomes.