Springtime in Texas Hill Country is beautiful, but it also brings unpredictable weather and an increased risk of flooding. Unfortunately, standard homeowners and business insurance policies typically do not cover flood damage. That’s why having flood insurance is crucial for safeguarding your property and financial well-being. At Galloway Insurance, we help residents and business owners in Marble Falls and surrounding areas secure comprehensive flood insurance coverage.

Understanding Flood Risks in Marble Falls

Marble Falls participates in the National Flood Insurance Program (NFIP), enabling property owners to obtain affordable flood insurance policies. The city regulates Federal Emergency Management Agency (FEMA) floodplains to maintain this enrollment, ensuring that residents have access to necessary coverage.

What Is Flood Insurance?

Flood insurance is a specialized policy that covers damage to your home or business caused by flooding. This includes everything from heavy rain and rising rivers to flash floods. Without it, you could face significant out-of-pocket expenses to repair or replace damaged property.What Does Flood Insurance Cover?

Flood insurance policies typically offer coverage for:

Building Property – Protects the physical structure, including the foundation, electrical and plumbing systems, and essential appliances.
Personal Contents – Covers personal belongings such as furniture, clothing, and electronic equipment.

It’s important to note that coverage options and limits can vary, so consulting with an insurance agent is advisable to tailor a policy that fits your specific needs.

Who Needs Flood Insurance?

Flooding can happen anywhere, but it’s especially important for properties in high-risk zones like parts of Burnet and Marble Falls. Even if you’re outside a designated flood zone, over 20% of flood claims come from low- or moderate-risk areas.

The Cost of Not Having Flood Insurance

The average cost of repairing flood damage can run into tens of thousands of dollars. Without insurance, you’d be responsible for covering these costs on your own. Flood insurance offers affordable protection and peace of mind.

Get Flood Insurance Before It’s Too Late

Most flood insurance policies have a 30-day waiting period, so it’s important to act before spring floods arrive. Contact Galloway Insurance today to review your options and secure your coverage.

Why Choose Galloway Insurance?

At Galloway Insurance, we offer multiple flood insurance options to meet the diverse needs of our clients:

Standard Flood Insurance Coverage – Provides essential protection for your property against flood damage.
Excess Flood Coverage – Offers additional coverage beyond the standard policy limits for high-value properties.
Affordable Rates – We strive to provide cost-effective solutions without compromising on coverage quality.

Our experienced agents are ready to assist you in selecting the right coverage to protect your home or business from flood risks.