In or Out of a High-Risk Flood Area—Everyone Needs Flood Insurance

The decision to buy flood insurance should not be based on a line on a map—where it can rain, it can flood. In fact, 81 percent of owners of Hurricane-Harvey damaged property outside high-risk flood areas did not have flood insurance. WFDD, working alongside residents to repair our community, recognizes that rebuilding is as much about collective resiliency as it is a reminder to always be prepared for the unexpected.

  • In a high-risk area or not, you may need flood insurance because most homeowners/renters insurance doesn’t cover flood damage.
  • Just one inch of water in an average home can cost more than $25,000 in damage.
  • WFDD residents are eligible to participate in the National Flood Insurance Program (NFIP).
  • For many, a NFIP flood insurance policy costs $450 or less per year.
  • Don’t wait to protect what you’ve built, NFIP flood insurance can take up to 30 days to go into effect.

Visit or call 800-427-4661 to learn more about flood insurance.

Want to learn more about WFDD? Visit You can also sign up for e-blasts to receive helpful tips for homeowners and district news and information.

Willow Fork Drainage District (WFDD) constructs, maintains and operates drainage and recreational facilities to preserve and enhance the communities within its boundaries, which generally covers the areas known as Cinco Ranch, Kelliwood, Canyon Gate, Falcon Ranch, and Parkway Oaks. WFDD’s drainage facilities and operations span 5,700 acres, including 15 miles of channels, three community parks, and nearly 50 miles of trails.

This mailer was paid for by Willow Fork Drainage District as a service to residents. 2018

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