League City officials will visit nearly 4,000 homes this summer to raise awareness about the importance of flood insurance.

What you need to know: City staff members will leave door hangers at the thousands of houses within the AE flood zone. This zone has:
  • A 1% chance of flooding annually
  • A 26% chance of flooding over the span of a 30-year mortgage
Homeowners with mortgages from federally regulated lenders within this zone are required to buy flood insurance, according to a city news release.

Regardless of whether flood insurance is required, League City officials encourage residents to buy it due to the several nearby bodies of water prone to flooding—namely Clear Lake and Clear Creek.

According to the Federal Emergency Management Agency, a home flooding 1 inch can cause up to $25,000 in damages, and the risk of higher flooding is greater in homes in or near flood zones.

What else?: Basic homeowners insurance policies don’t cover flood damages.

League City is part of the National Flood Insurance Program, meaning federally subsidized flood insurance is available to every resident. Officials encourage residents to call their insurance agent for more details.

League City also participates in the NFIP Community Rating System, which rewards communities that implement higher standards with discounts on flood insurance. This means homeowners in an AE flood zone get a 25% discount on their flood insurance premium, and those in other flood zones get a 10% discount, the release reads.

Learn more: For more information, click here.