Basic homeowners insurance policies do not cover damage from floods. The City of League City participates in the National Flood Insurance Program, which means that federally subsidized flood insurance is available to everyone in the city. The purchase of flood insurance is highly recommended. Remember there is a 30-day waiting period before the policy becomes effective.
Some people have purchased flood insurance because it was required by the bank or loan company when they obtained a mortgage or home improvement loan. Usually these policies just cover the building's structure and not the contents. Policies are available to cover contents also. Remember that a flood insurance policy must be renewed every year.
Community Rating System
The City of League City also participates in the Community Rating System, a voluntary federal program that rewards communities that implement higher standards by providing discounts on flood insurance policies. League City's efforts enable property owners in the floodplain to get a 10% discount and some property owners outside the floodplain may be eligible for a 5% discount.
For more information about flood insurance, you can contact the National Flood Insurance Program, contacting the League City Floodplain Manager, Alex Noel, at 281-554-1428, or by calling your insurance agent. The following FEMA publications may also provide more information.