How to Prepare for Flooding in Texas
Texas experiences frequent and severe flooding due to heavy rainstorms, tropical systems, and rapid weather changes. Because floods can occur anywhere—often with little warning—preparedness is essential. Taking proactive steps can protect your family, home, and finances when rising waters threaten your area.
Understand Your Flood Risk
Flooding doesn't just happen along the coast or in FEMA-designated flood zones. Neighborhoods that have never been flooded before can be hit by flash floods, urban flooding, and river overflows.
To assess your risk:
- Review FEMA flood maps
- Check local drainage and flood-prone roads
- Understand whether your community has a history of flash flooding
Knowing your area’s flood characteristics helps you make informed decisions about possible evacuation routes, insurance, and preventive measures.
Purchase Flood Insurance Early
Standard homeowners' insurance doesn't cover flood damage. To protect your property, you must purchase a separate flood policy through the National Flood Insurance Program (NFIP) or a private insurer.
Keep in mind:
- NFIP policies normally have a 30-day waiting period before coverage begins
- Private flood policies may offer higher limits and shorter waiting periods
Because flooding is so common in Texas, obtaining flood insurance well before storm season is one of the most important steps you can take.
Protect Your Home from Flood Damage
You can reduce your risk with simple structural and maintenance actions:
- Clear gutters and downspouts to prevent water backup
- Check your foundation for cracks or weak spots
- Seal basement walls with waterproof coatings
- Install sump pumps or backflow valves to reduce flooding inside
- Elevate utilities such as HVAC units and electrical panels
These improvements help keep floodwater out and reduce costly repairs.
Create a Family Emergency Plan
Your safety plan should include:
- Evacuation routes and alternatives
- A communication plan
- A waterproof bag for documents (IDs, insurance policies, deeds)
- A disaster supply kit with water, food, medications, and flashlights
Floodwaters can rise quickly, so having a plan prevents panic during an emergency.
Stay Informed During Severe Weather
Sign up for your county's emergency alerts, keep an eye on the National Weather Service, and listen to your local government for orders to leave. If the roads are flooded, you should never drive on them. Six inches of moving water is enough to sweep a car away.
Conclusion
Flood preparedness in Texas requires awareness, planning, and proper insurance. By evaluating your risk, strengthening your home, and creating an emergency plan, you can significantly reduce the danger and financial impact of flooding.
