Houston homeowners face some of the most severe weather risks in the United States: hurricanes, tropical storms, flooding, hail, and tornadoes. The city sits near the Gulf of Mexico and has been hit by multiple major hurricanes and tropical storms, most recently Hurricane Beryl in 2024. Understanding what your homeowners policy covers — and what it doesn't — is critical for Houston homeowners.
In 2026, the average Houston homeowner pays approximately $2,400 per year for a standard HO-3 policy — well above the national average, reflecting the city's high storm risk.
What's Covered and What's Not
- Wind and hail damage — Covered by standard HO-3 policies, though some policies have separate wind/hail deductibles
- Flooding — NOT covered by standard policies. Separate NFIP or private flood insurance is essential for Houston homeowners.
- Hurricane damage — Wind damage from hurricanes is covered; storm surge flooding is not without flood insurance
- Tornado damage — Covered under standard wind coverage
Flood Insurance: Essential for Houston Homeowners
Houston has flooded in every major storm event for the past 30 years. FEMA flood maps show large portions of Houston in high-risk flood zones, but even properties outside flood zones have flooded. The National Flood Insurance Program (NFIP) offers flood insurance starting around $700–$1,500 per year for most Houston homes.
Get Your Free Houston Homeowners Insurance Quote
Sewell Insurance Agency is licensed in Texas and serves all of Harris County. Our licensed brokers will help you find the right homeowners and flood insurance for your Houston property.