Home insurance in Midland, TX

Parts of Midland are in mapped flood zones, and flooding isn't covered by a standard policy. Here's what to check.

Flood risk in Midland

Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.

Midland is in FEMA's Community Rating System at Class 8, which earns residents 10% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.

Source: FEMA National Flood Hazard Layer; NFIP community 480477.

More about insuring a home in Midland

Flood riskHail, wind and your roofYour home rebuild costWhat a policy coversRV & motorhome

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