Are Natural Disasters Covered by Insurance?

Does My Insurance Policy Cover Damages from Natural Disasters?

Natural disasters are covered by a homeowners policy or a flood insurance policy, or both. In Texas, winds or wind-driven rain or debris are covered under either a standard homeowners insurance policy or a Texas Windstorm Insurance Association policy, depending on where you live. If you live in 14 specific Texas gulf coast counties and a portion of Harris county, a Texas Windstorm Insurance Association policy will cover your wind and hail damage. For everywhere else in Texas, a standard homeowners insurance policy will cover wind, rain, debris, fire or other damage from a natural disaster. Flooding, however, is specifically excluded from homeowners policies and Texas Windstorm Insurance Association policies. Flood insurance for the vast majority of home and business owners must be obtained by a separate flood insurance policy.