Do you need flood insurance in Texas? In Houston and across the state, it is not just about being in a flood zone. The 30-day waiting period, zone pricing differences, and hurricane season timing can all catch buyers off guard at closing. Host Jean Mitchell of Trilogy Real Estate sits down with Leash Yu, president and CEO of Agency Yu, one of Houston's largest insurance agencies, to break down exactly how flood insurance works and what Texas homebuyers need to know before they close.

In this episode you will learn:

- Who needs flood insurance in Texas and why your flood zone designation affects both your coverage requirements and your premium

- How home value and zone classification determine flood insurance pricing, and what changed with recent FEMA rate updates

- Why the 30-day waiting period matters and how to time your flood insurance purchase, especially when buying during hurricane season

- How to save money by assuming an existing flood insurance policy from the seller instead of purchasing a new one

Leash Yu is the president and CEO of Agency Yu, one of the largest insurance agencies in Houston, Texas. He specializes in helping homeowners and buyers navigate flood coverage and Texas-specific insurance requirements.

Facebook: facebook.com/agencyyu/

Instagram: instagram.com/agencyyu

Email: [email protected]

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