Living in Houston offers many substantial benefits, such as a lower cost of living, better housing options, diversity of cultures and people groups, exceptional restaurants, and a thriving arts scene. Unfortunately, living in Houston also means a higher likelihood of area flooding due to heavy summer rains and tropical storms in our region. Property owners and renters might ask themselves if they really need Flood Insurance since Houston is not located right on the coastline. The answer is definitely yes; both renters and property owners need Flood Insurance in Houston.

There are three primary reasons why Houston renters and residential or commercial property owners need to protect themselves and their assets with quality Flood Insurance. First, Houston's lower elevation means there is a higher chance of flash flooding during heavy rains. Additionally, Houston's proximity to the Gulf Coast means that storm surges caused by hurricanes or tropical storms can easily lead to widespread flooding in Houston, and not just in coastal areas like Galveston or Kemah.

Additionally, Houston has many older neighborhoods and historical districts that lack proper water drainage for city streets. These older communities can experience severe flood damage in apartments, homes and businesses because rainwater has nowhere to go. In contrast, newer neighborhoods often have ample street drainage and retention areas to collect excess rainwater. Even in neighborhoods that have been revitalized with new business development, luxury townhomes, and new home construction, such as Spring Branch or East Downtown, poor water drainage can lead to the loss of beautiful homes and important community businesses.

Finally, one of the most important reasons why renters and property owners need Flood Insurance is because basic Homeowners Insurance and Renters Insurance offer no protection for damages caused by flooding. Renters Insurance and Homeowners Insurance will cover the damages and replacement costs related to a fire, theft or other catastrophic events, but not flood damage. As a result, all flood damages and replacement costs are the responsibility of the individual, which can put renters and residential or business property owners in financial ruin.

Rather than risk losing your assets, home or business to flood damage, it's safer and smarter to protect your valuables with quality Flood Insurance. Aegis, a Houston-based insurance agency, understands the unique needs of Houston area homeowners and business owners and can develop an insurance solution that truly protects assets. The friendly and knowledgeable agents of Aegis will first assess your specific insurance needs and creates a tailored insurance package that can protect your home, business, vehicles, family members, or other important assets at an affordable cost. Clients can also save hundreds of dollars each year by bundling insurance policies together for maximum annual premium savings. Contact Aegis today at 713-850-7622 or go online to request a free quote!