Flood Insurance Information

Don't Wait for the Next Storm to Purchase Flood Insurance!
A home within a Special Flood Hazard Area (SFHA) has a 26% chance of experiencing a flood during the life of a 30-year mortgage. But even if your home or business is not located in one of these areas, just a few inches of floodwater can create devastating financial losses.
National Flood Insurance Program
Highland Village is a member of the National Flood Insurance Program (NFIP), which makes it possible for Highland Village residents to obtain federally backed flood insurance. Property owners and renters may purchase flood insurance through their local property and casualty insurance agents.
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In the near future, the City will be submitting an application for a flood insurance premium reduction under the Community Rating System (CRS).

Rates & Coverage
Rates are set by the federal government and do not differ from company to company or agent to agent. These rates depend on many factors, including how much insurance is purchased, what it covers, the date and type of construction of your home, along with your property's level of flood risk.

There are two types of coverage which can be purchased separately:
  • Structural coverage: Covers everything that stays with a house when it is sold, including the furnace, cabinets, built-in appliances, and wall-to-wall carpeting.
  • Contents coverage: Covers furniture and other personal possessions except for money, valuable papers, etc.
More Information
For more information about flood preparedness, to rate your risk, estimate your flood insurance premium, and find an agent, visit the Flood Smart website.