Homeowners insurance protects you financially if your home or property is damaged or destroyed by something that your policy covers, such as a fire or storm. Surplus line companies are companies from other states that insure risks that Texas companies will not insure. If the person or company is not listed as a licensed insurance agent or agency, report this information to the Texas Department of Insurance. Someone from the insurance company will inspect the outside of your home when you apply for insurance.
The Texas Department of Insurance is the official state agency responsible for regulating the insurance industry in Texas. Talk to your home insurance agent about the possibility of obtaining a flood policy from your insurance company or the National Flood Insurance Program.