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NORTH TEXAS (CBS 11 NEWS) – Flooding is the number one disaster in the country according to federal statistics. The Federal Emergency Management Agency (FEMA) estimates the average damage to a flooded home in Texas is more than $23,000.

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And, flood insurance is one of those things you may think you have, but you probably don’t. If your home is flooded, your homeowners insurance will most likely not cover the damage.

You can buy flood insurance through your local agent, but you specifically have to ask for the coverage that is underwritten by the national government. The issue has caused so much confusion, FEMA is now stepping in to help.

The government has launched the National Flood Insurance Program (NFIP) call center to answer questions.

You can reach the call at 800-621-3362, between the hours of  8 a.m. and 6 p.m. Workers there will assist policyholders with the servicing of their claims, general information regarding policies and aid in recovery. You can also email FEMA-NFIP support or fax the program at 540-504-2360.

A spokesperson with FEMA, and several North Texas insurance agents, explained to the I-Team what you need to think about while considering flood insurance.

– Look at water accumulation in and around your home and neighborhood
– Know that a neighbor’s retaining wall, new landscaping or a pool can bring water onto your property
– Ask yourself, “Am I in a flood plain?”

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Regardless of whether you live in a flood plain, the Insurance Council of Texas warns that “one in four claims” in Texas comes from homes in low- to- moderate flood zones.

Agents tell the I-Team if you are dealing with flooding:

– Vacuum the water out of your home
– Take your carpet and furniture out
– Remove saturated dry wall
– Take photos and video
– Don’t throw anything away
– Call your adjuster right away

Click here for more information on the National Flood Insurance Program.

Click here for more information about purchasing a flood insurance policy, flood zones, risk assessments, types of flood insurance, and policy cost and terms.

Click here to learn more about flooding and flood risks.

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