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Floods happen in Texas.  You don't have to live along the Gulf Coast to experience a flood.  It can happen anywhere, anytime, and in a matter of minutes.  

Texas includes countless creeks, lakes, rivers, bayous, and overflow of water, mainly caused by heavy rain-fall/flash flooding.  Your chance of a flood increases as over-flow and/or debris or construction inhibits proper flow.  Merely living in Zone X does not guarantee a safe harbor.  The best plan of action is to have flood coverage before it happens.
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Flood Smart...its no joke.