Insurance
Flood risk is not only a coastal problem
Hill Country creeks and Houston bayous can both make flood insurance worth checking.
Texas flood risk shows up on the coast, near bayous, along creeks, in low-water crossings, and in fast-growing drainage areas.
Standard homeowners insurance usually does not cover flood damage. Buyers should check flood maps, local drainage history, and lender requirements.
Even when flood insurance is optional, the risk can still be real.
Source to confirm: Texas Department of Insurance homeowners tips