Flood Insurance

FEMA encourages everyone to get flood insurance, even if you don’t live in a high-risk flood zone. While governments are doing all they can to alleviate the impact of floods, everyone should play a role in protecting themselves.

To learn more about flood insurance, visit the FEMA National Flood Insurance Program site.

Flooded city streets

Doesn't my homeowners insurance policy cover flooding?

No. Flood damage is not covered by your homeowners insurance policy. In order for your home to be protected in the event of a flood, you will need to purchase a separate flood insurance policy.

If my home is flooded, won't federal disaster assistance pay for my damages?

No. Federal disaster assistance offers loans to help cover flood damage, not compensation for your losses. Even then, those loans are only available if the President formally declares a disaster. Fewer than 10 percent of all weather emergencies in the United States are declared disasters.

Am I eligible for flood insurance?

You must live in a community that participates in the National Flood Insurance Program (NFIP) to qualify for National Flood Insurance. The communities in Bexar County are all participating in the National Flood Insurance Program (NFIP).

I live in a low-risk flood zone. Do I really need flood insurance?

It’s a good idea to buy flood insurance even if you live in a low- or moderate-risk area. Almost 25 percent of all flood insurance claims come from areas with minimal flood risk.

Why does my mortgage lender require me to buy flood insurance?

The purchase of flood insurance is mandatory to qualify for Federal or federally-backed financial assistance for the acquisition and/or construction of buildings in high-risk flood areas (Special Flood Hazard Areas). If the property is not in a high-risk area, but instead in a low- to moderate-risk area, the law does not require flood insurance; however, it is recommended since historically about one-in-four flood claims come from these low- to moderate-risk areas. Note that if during the life of the loan the maps are revised and the property is now in the high-risk area, your lender will notify you that you must purchase flood insurance. If you do not purchase flood insurance, the lender will purchase a policy on your behalf, which could be at a much higher rate.

What if I want to purchase more insurance than the NFIP offers?

Many private insurance companies offer Excess Flood Protection, which provides higher limits of coverage than the NFIP, in the event of catastrophic loss by flooding. The maximum coverage the NFIP offers is $250,000 for dwelling coverage, and $100,000 for contents coverage.

How do I found out what flood zone my home is in?

You can contact your insurance agent to provide you with a flood determination. This will provide you with the flood zone your home is located in.

Alerts

Trail Closure Notice: McCullough and Brooklyn Bridge

Trail Closure along both east and west banks under the McCullough and Brooklyn Bridge will be intermittently closed to refresh the artwork on the bridge. Alternate route with ADA access is available on the east bank from the pedestrian bridge at Brooklyn Ave. Click for map  

San Pedro Creek Culture Park

The restrooms at South Alamo will be temporarily closed for maintenance and repairs. We apologize for any inconvenience and appreciate your understanding. 

West Bank Trail Closure Notice

Due to the construction of a new trail and bridge, the West Bank of the trail between Schiller St. and Newell St. will be closed for the next couple of months. We apologize for any inconvenience.

Acequia Trail Notice

The Acequia trail will have heavy traffic near MROC starting May 22nd until further notice. The SAWS Acequia project will be bringing in crews to work on the lift station site and across the street. There will have flaggers to stop traffic, please use caution. 

SASPAMCO Paddling Trail

The SASPAMCO paddling trail is open from River Crossing Park to Helton Nature Park. *Please Note: Paddling Trail from Helton Nature Park to HWY 97 is still closed due to blockages. 

River Reach Newsletter and Blog Signup

River Reach is offered as a printed, physical mailing to your residence or business. The Blog is a weekly electronic email with news and updates in order to be more environmentally conscious. Please fill out the form below and indicate your preferred method of delivery.

By submitting this form, you are consenting to receive marketing materials from: San Antonio River Authority, 100 East Guenther St., San Antonio, TX, 78204, US. You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.