Flood Insurance

Flood Insurance Is Separate from Your Homeowner's Policy

Standard homeowner's insurance does not cover flood damage. Dallas County participates in the National Flood Insurance Program.

Dallas County Home & Property

Homeowner's insurance does not pay for flood damage. You need a separate policy through the National Flood Insurance Program (NFIP) or a private flood insurer. If your home is in a high-risk flood zone and you have a federally backed mortgage, your lender will require it.

Dallas County participates in the NFIP. That means county residents can buy federally backed flood coverage. Even if your home is not in a mapped flood zone, you can still buy a policy. Dallas County's Trinity River and its creeks have flooded neighborhoods not shown on older maps.

Source to confirm: FEMA – Flood Insurance

More Dallas County notes

Property Tax Basics

Who Appraises Your Property in Dallas County

The Dallas Central Appraisal District sets the value of your property each year, and that value drives your tax bill.

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Homestead Exemption

The Homestead Exemption Cuts Your School Taxes

Texas law requires school districts to exempt $140,000 of your home's value from school property taxes if you qualify.

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Age 65 / Disability Exemption

Extra Tax Break for Seniors and Disabled Homeowners

If you are 65 or older, or have a qualifying disability, you get an additional $60,000 off your home's school-taxable value.

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Veteran Exemption

Veterans with Disabilities Get a Property Tax Break

Texas gives disabled veterans a property tax exemption based on their VA disability rating.

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