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Flood Insurance

Hurricane Harvey brought unprecedented rainfall last year, leading to flash floods throughout Texas and the surrounding states. Such major flooding events can wreak untold havoc on your home ‐ damage that a standard homeowners insurance policy won't cover.

If you want to protect your home against floods, you'll need flood insurance. The local agents at Norment & Landers Insurance can help you choose flood insurance coverage that works best for your home and its belongings.

Determining Your Need for Flood Insurance

Your home's risk for flooding depends on several factors but living in an area deemed at-risk for a 100-year or 500-year flood is a major factor. If your home falls in a flood zone on FEMA's Flood Insurance Rate Map, then there's a good chance you'll need flood insurance coverage. Even if you live in an area where flooding risks are minimal, by having a flood insurance policy, it can protect you against rare and unforeseen flooding.

Although the state of Texas does not make having flood insurance coverage mandatory, your home lender may require coverage according to the terms of your mortgage. 

What Flood Insurance Covers

What your flood insurance policy covers depends on the type of coverage you choose. Most policies include coverage for the following:

  • Building and structural components, including the foundation and detached garages
  • Basic home systems, including electrical, plumbing, and HVAC systems
  • Appliances including refrigerators, dishwashers, and water heaters
  • Permanently installed fixtures and decor, including carpeting, paneling, cabinets, and bookcases

Personal contents that aren't already covered by your existing homeowner's insurance may be covered under contents coverage. Your flood insurance policy may also include the cost of items used to safeguard your home against imminent flooding, including sandbags, and other barriers.

Contact us at Norment & Landers Insurance today and speak to one of our insurance specialists. We can help you get a flood insurance policy that protects your home and property.


Personal service, customized policy and actual visit and review of items covered in policy.

Customer since 2018

Norment and Landers is very easy to work with and the communication is always excellent.

Cody W., customer since 2016

Everyone is very professional and is always there to help in any service. Great relationships with the customer.

Steve C., customer since 2011

Always friendly, helpful and quick to respond.

Brittany M., customer since 2017

We are very satisfied with the service of Norment and Landers. Any time I need something, I email Erik and it is taken care of within minutes. I would recommend your service to everyone.

Crystal U., customer since 2016

Thank you to Norment & Landers for taking care of our every need! Sims is always so helpful, and never hesitates to answer every question (no matter how small). Wouldn't do business anywhere else!!

Ashley R., customer since 2016

Brad proposed corporate medical insurance for our team. He has guided us through the process and keeps us up to date each year. This has helped our employees greatly. The staff is always helpful. We are being taken good care of.

Joella L., customer since 2018

We never worry about what our insurance coverage should be, we know you will give us a reminder to review our needs at renewal time. Thanks, Al

Al R., customer since 2016

I like that I can email Sims directly and he makes it happen. I don't have to worry about anything. Just email Sims and it gets taken care of.

Ross W., customer since 2009

We are happy with our coverage and the shopping for insurance that meets our needs at a great price.

Gary B., customer since 2017

When we had any questions about our policies we were given all the information we needed. Very informative and helpful.

Judy P., customer since 2015

Always helpful, respond promptly

Customer since 2010

Always helpful

Tami M., customer since 2018

I've got very professional knowledge , so convenient and friendly services when I walk out from their office. Even I don't need to go to their office they still get my things done. Thanks Brad

Pi T., customer since 2018

You always are available, and friendly.

Customer since 2012

I was dreading the process for finding good and affordable insurance, but Erik and his team made it quick and painless. I really appreciated the ease of everything and will definitely continue to use Norment and Landers Insurance.

Mally C., customer since 2019

Consistent, personalized, excellent service from real folks with familiar names and faces

Customer since 2012

Very easy to get a quote and to begin coverage through Norment and Landers. Cody Upchurch was very helpful and got me a great rate with excellent coverage.

Bradley F., customer since 2019

Friendly, informed staff always willing to explain specifics or answer questions. Competitive rates and easy claims process.

Bret H., customer since 2016

Personalized service made me feel that I was important and my needs could be meant!

Rita G., customer since 2018


John B., customer since 2000

Good people. Great service.

Mark F., customer since 2016

You take time to explain the policies & you always look for the best price & coverage to fit my needs. The entire staff has always been professional and respectful. I highly recommend Norment & Landers Insurance.

Jo R., customer since 2018

I appreciate how easy it is to get information and support anytime that I have questions about insurance coverage. Customer service has been exceptional-responsive and timely!

Patricia M., customer since 2014