Flood Insurance

Flood Insurance Is Separate From Home Insurance in Galveston County

Standard home insurance does not cover flood damage, so many Galveston County homeowners carry a separate federal flood policy.

Galveston County Home & Property

Most home insurance policies skip flood coverage. That means hurricane storm surge, heavy rain, and tidal flooding are not covered unless you have a separate flood insurance policy. The National Flood Insurance Program (NFIP), run by FEMA, is the main option for most homeowners.

Even if your lender does not require it, consider buying flood insurance if you live near the bay, coast, or any low area. TWIA windstorm policies also require flood insurance for homes in certain high-risk zones. Visit floodsmart.gov or ask your insurance agent about NFIP options.

Source to confirm: TWIA — Flood Insurance Requirements

More Galveston County notes

Property Tax Basics

Two Offices Handle Your Property Tax in Galveston County

The appraisal district sets your property value; the tax office collects what you owe — and they are two separate offices.

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Homestead Exemption

Homestead Exemption Can Lower Your Tax Bill in Galveston County

If you own and live in your home, you can apply for a homestead exemption that reduces how much of your property value gets taxed.

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MUD / PID / Special Districts

Galveston County Has Dozens of Special Tax Districts

Many newer neighborhoods in the county sit inside a Municipal Utility District or other special district that adds an extra layer of taxes to your bill.

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Windstorm Insurance

Most Galveston County Homes Need a Separate Windstorm Policy

Private home insurance in Galveston County usually does not cover hurricane wind damage, so many owners must buy a separate policy from TWIA.

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