The state of Texas doesn’t require homeowners to purchase flood insurance

However, if your property is in a high-risk flood zone (since Texas has a shoreline on the Gulf of Mexico, many homes there are at risk of flooding), you may need to buy coverage as a condition of your mortgage. Flood insurance is also a good consideration in Texas, as flood damage isn’t covered by homeowners or renters insurance policies.

National Flood Insurance Program (NFIP)

The National Flood Insurance Program (NFIP) was created with the passage of the National Flood Insurance Act of 1968. The goal of the program is to help mitigate future losses caused by flooding through community enforced building standards.

In general, homeowners insurance does not provide protection from damages to a structure or to contents caused by flooding and it is necessary for property owners to have a separate flood insurance policy to cover a loss cause by a flood.

The increase rain lead to more wet road, and increase more hazards and crashes,” said auto accident attorney Hector Sandoval.

Reckless, Drunk, or Distracted Drivers Put Everyone’s Safety at Risk!

Why it is More Dangerous To Drive In The Rain?

It is important for drivers to use caution when driving in wet and rainy conditions – particularly when driving in the rain at night.

According to the United States Department of Transportation, there are many ways in which precipitation can make driving more dangerous. It affects the safety by reducing drivers’ visibility, reducing friction with the roadway surface, and obstructing lanes of traffic. Precipitation also affects traffic flow by reducing the capacity of a roadway (especially in areas of flooding), forcing drivers to reduce their travel speed, delaying travel times, and increasing the overall risk of accident to each road user. All in all, these factors make driving on wet roads much more dangerous.

Table: Weather Impacts on Roads, Traffic and Operational Decisions

Source: ops.fhwa.dot.gov