Protection for When the Waters Rise

Host Ron Wadley of Insurance for Texans explains why Texas churches should evaluate flood insurance. Most property policies exclude damage from flood waters. FEMA defines a flood as water covering two or more acres of normally dry land or affecting two or more properties, often from overflowing rivers, storm surge, or rapid runoff. He warns that standard property and windstorm policies do not cover these events. Churches near rivers, creeks, bayous, or low-lying areas can face catastrophic losses from stalled storms, with “500-year” floods occurring more than once per decade. He outlines five considerations: check FEMA flood maps, understand the difference between wind-driven rain and floodwater, review deductibles and limits, store equipment/documents off the floor, and use mitigation tools like sump pumps and flood barriers. Connect with our church insurance team at insurancefortexans.com Download your free copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Show Intro 00:25 Why Flood Insurance Matters 00:37 Flood Definition and Exclusions 01:21 Five Flood Risk Checks 01:45 Coverage and Mitigation Tips 02:00 Mission and Next Steps 02:35 Closing and Teaser