University of the Incarnate Word: Does a standard home policy cover flood damage?
DIRECT ANSWER
Source guidance recorded on 2026-10-07. Confirm the applicable policy year, cohort and property jurisdiction before relying on time-sensitive facts. Historical source observation retained; its original period is not a current verification date.
Texas Department of Insurance says most home policies do not cover flood damage; a lender requires flood insurance if the home is in a designated flood zone.
Sources & verification
- www.tdi.texas.gov source-backed-recovered-record
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