Home Insurance in Flower Mound, TX

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Protect Your Family with Home Insurance in Flower Mound TX

Flower Mound is an incorporated town located in northern Texas. Though part of the Dallas-Fort Worth Metroplex, the population of the town itself has a population of only about 80,000. From 2000 to 2010, it experienced a population growth of 28%. Nevertheless, maintaining a small-town, family-friendly atmosphere is a major goal of the community. If you intend to buy a house here and raise a family, we can help you find the correct home insurance in Flower Mound TX to protect what is most important to you.

An Award-Winning Community

Flower Mound has received recognition throughout Texas and around the country for being a safe and highly livable community:

  • Ranked #16 on SafeWise's list of "Texas' 50 Safest Cities of 2019"
  • Ranked #4 on ApartmentList's "Best Cities for Families"
  • Ranked #16 on CNN Money Magazines "Best Places to Live List" for 2018
  • Ranked #1 on SmartAsset's "Most Livable Small City in the U.S." two years in a row

Accolades such as these speak highly of Flower Mound as a community that is especially good for families. However, they do not mean that nothing bad will ever happen to you while living there. Unfortunate events can strike without warning, anywhere and anytime. Home insurance in Flower Mound TX from VIU by HUB pays you back for any losses you and your family sustain because of such unforeseen happenstances.

Flood Risk

Flower Mound is located along the northern shore of Grapevine Lake. While its picturesque lakeside setting makes it an attractive place to live, there is some risk of flooding. The most significant flood hazard areas are in the low-lying areas around Grapevine Lake as well as along creeks such as the following:

  • Wichita Creek
  • Bakers Branch
  • Timber Creek
  • Graham Branch
  • McKamy Creek
  • Sharps Branch

When you consult with us about your needs for home insurance in Flower Mound TX, be sure to bring up flood insurance coverage. This is something that you must purchase separately as standard policies typically do not include it.

Other Natural Disasters

Flower Mound is partially located in Denton County, where the average number of natural disasters per year is 18, slightly higher than the national average of 15. Historical tornado activity in the Flower Mound area is higher than the state average for Texas. In 1957, 200 people were injured and 10 were killed in an F3 tornado 15.2 miles away from the town center that also resulted in an estimated $500,000 to $5,000,000 in damages. Other causes of natural disasters include fires, of which there are approximately five per year.

Property Crimes

Violent crimes in Flower Mound are extremely low. However, property crimes, such as burglary and theft, are significantly higher. Per 100,000 people, there are 789.4 thefts in Flower Mound and 105 burglaries annually. These are approximately one-half and one-third of the national averages, respectively.

Home Insurance Coverages

Because of the specific risks you face as a resident of this area, you should be sure that your home insurance in Flower Mound TX includes the following coverages:

  • Flood insurance
  • Replacement of valuables such as art or jewelry if destroyed, lost, or stolen
  • Reconstruction costs if your home is seriously damaged or destroyed
  • Living expenses if you must relocate temporarily due to a disaster (e.g., meals, hotel accommodations)

If the value of your property exceeds what the policy normally covers, you can purchase additional coverage.

This information is intended for general informational purposes only and is not intended to constitute legal advice.