Anywhere it can rain, it can flood, but many homeowners avoid getting a flood insurance policy if their home isn’t in a designated flood zone. Unfortunately, this can be a risky decision that leads to significant financial problems. If you’re in Houston, TX, and considering flood coverage, Heydari Financial Group is here to help. Our agents can provide quotes from multiple insurers and help you determine whether a flood policy is the right choice for your home. Here’s what you need to know.

Step 1: Understand Flood Zones

If your home is located in a flood zone and you have a mortgage, your lender will likely require flood insurance coverage. However, if you don’t have a mortgage, the decision to purchase flood insurance is entirely up to you. Even if your home isn’t in a flood zone, you still have the option to get a policy, regardless of whether you have a mortgage or not.

Step 2: Evaluate Your Home’s History

While past events don’t guarantee future outcomes, your home’s history can provide valuable insights. If your property is situated on a hill and has never experienced flooding, you may not need a flood insurance policy. On the other hand, if your home is in a valley, a flat area, or has a history of flooding, having a policy in place can offer critical protection and peace of mind.

Step 3: Shop for Quotes and Expert Advice

Working with a trusted insurance professional can help you obtain quotes for flood insurance and get answers to your questions. While assessing risk on your own is a good starting point, insurance agents have access to additional tools and resources to evaluate the flood risk for your property. If you’re in Houston, TX, reach out to us at Heydari Financial Group today. We’ll help you determine whether a flood insurance policy is the right choice for your home.