Contact UsLinksHome

Flood Insurance

flood insurance

Depending on location you can purchase flood insurance from our agency through the National Flood Insurance Program. The National Flood Insurance Program is backed by the U.S. Government.

Does Homeowner Insurance Cover Flooding?

Your homeowner's insurance and many other property policies do not cover flooding, therefore you need a separate flood insurance policy.

Most floods are caused by hurricanes and tropical storms, but these natural disasters are not the sole causes. Floods are also caused by rising river waters, flash flooding from heavy rainstorms. Heavy rain can also easily overwhelm the drainage infrastructure and if water can't flow out or sink into the ground, it will cause a flood.


Assessing Your Risk

We strongly advise everyone residing in the Gulf Coast area to purchase flood insurance, even if their property is not officially in a flood plain.


Because we offer different types of policies through various companies, coverage varies.



John R. Ray & Sons, Inc. provides Commercial, Personal and Professional Insurance to All of Texas

9525 Katy Freeway, Suite 315, Houston, Texas 77024
P.O. Box 421329, Houston, Texas 77242-1329
telephone: (713) 528-5503
Privacy policy

The information on this website is to be used for reference only and in no way amends or alters any terms or conditions of your policies. For exact details, please refer directly to your policies.

View Larger Map