FLOOD INSURANCE
		1 out of 3 homes damaged by flooding lie outside of the Special Flood Hazard Area (SFHA).

The Town of Trophy Club participates in the National Flood Insurance Program (NFIP) that makes available federally backed flood insurance for all structures, whether or not they are located within the floodplain. Membership within NFIP - and the availability to Town residents of flood insurance - requires the Town to manage its floodplain in ways that meet or exceed standards set by FEMA. As such, the Town updated their Floodplain Ordinance (2011-12) in April of 2011 to meet federal requirements.

While most homeowners' policies do not cover flood losses, flood insurance is available for all properties in Trophy Club. You can protect your home and contents through the National Flood Insurance Program. You should obtain coverage for structure and contents. There can be more damage to the contents than the structure. Renters can buy contents coverage even if the owner does not insure the structure. There is a 30-day waiting period before the policy becomes effective.

To find out more about flood insurance, contact any licensed property/casualty agent or broker - the same person who sells your home and auto policies. You can also go to www.floodsmart.gov for more information and to find an insurance agent in your area. All agencies charge the same premiums.

If an insurance agent tells you that you cannot get flood insurance, you need to report that insurance agent to:

TEXAS DEPARTMENT OF INSURANCE
Consumer Protection (111-1A)
P. O. Box 149091
Austin, Texas 78714-9091
Fax Number: (512) 475-1771
Complaint Form