A "Flood" is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder's property) from



  • Overflow of inland or tidal waters; or


  • Unusual and rapid accumulation or runoff of surface waters from any source; or


  • Mud flow; or


  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood.



Flood insurance denotes the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains, and floodways that are susceptible to flooding.


In general, homeowners insurance will not provide protection from damages to a structure, or its contents, caused by flooding.  It is necessary for property owners to have a separate flood insurance policy to cover a loss caused by a flood. Your independent insurance agent can help determine your specific needs determined by where you live in Austin. Call or visit our contact page today to get your insurance quote.