Flood Insurance is Recommended

At this time, flood insurance is not mandatory.  The FCLID Board highly recommends every property owner within the District purchase flood insurance.  Flooding is not covered by homeowner insurance policies, but can be purchased through FEMA’s National Flood Insurance Program (NFIP).  Please contact your insurance agent to learn about NFIP.  Recent Gulf Coast storms have demonstrated that flood insurance can be valuable for recovering from a flood loss. The FCLID Board of Directors and their attorney will continue to monitor any proposed legislation regarding changes to the NFIP that may impact District residents.

What You Should Know About Hurricanes

From Ready.gov

Risks of Flooding in our Area

The most serious threat to property protected by the FCLID levee comes from weather events that involve heavy local rainfall, possibly in combination with high water events on the Brazos River.

The following weather events can significantly impact our area:

  • Local rainfall that exceeds 12” in 24 hours in our area.
  • Severe Brazos River flooding from upstream dam releases or lower basin rainfall that raises the water level in the Brazos River.
  • Moderate river events where high water limits the gravity
    discharge rate from inside the levee combined with moderate
    to heavy local rainfall that raises water levels inside the levee protected area.

During heavy rain events it is advisable NOT to park vehicles in the street or set out trash bins. Our streets are designed as part of the overall drainage system for the District, and you should expect water to drain through the streets before it drains out of the District.