Smith Insurance Agency Of West Virginia
301 E Main St, Kingwood, WV 26537
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301 E Main St, Kingwood, WV 26537
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Kingwood residents.
Kingwood drivers pay $990-$1,045/year for auto insurance. Learn about Texas's 30/60/25 requirements, US-59 risks, and how to get the right coverage.
Yes, you likely do. During Hurricane Harvey, flooding in Kingwood didn't just come from the San Jacinto River—it came from overwhelming rainfall, releases from Lake Conroe Dam, and surface water that had nowhere to drain. Over 4,800 homes flooded, many far from the river itself. If you have a mortgage in a designated high-risk flood zone, your lender requires it anyway. Even if you don't, the risk is high enough that going without flood insurance is financially dangerous.
It varies significantly based on your property's flood zone, elevation, and coverage limits. Through the National Flood Insurance Program, you can insure your home's structure up to $250,000 and contents up to $100,000. Premiums can range from a few hundred dollars annually for lower-risk properties to several thousand dollars for homes in high-risk zones with lower elevations. Getting an elevation certificate can help reduce your rates if your home sits above the base flood elevation.
Kingwood's base homeowners insurance rates ($1,179-$1,415 annually) are lower than the Texas average ($3,851) primarily because you're looking at different coverage levels and because statewide averages include coastal areas with much higher windstorm risk. However, once you add required flood insurance to your Kingwood policy, your total insurance costs will be significantly higher than that base rate. Always consider your total insurance picture, not just the homeowners policy alone.
Your standard homeowners policy covers damage from fire, theft, wind, hail, and liability, but specifically excludes flooding. Flood insurance is a separate policy that covers damage when water comes from outside your home—whether from rivers overflowing, storm surge, or heavy rainfall that overwhelms drainage systems. In Kingwood, you need both types of coverage to be fully protected, since Harvey proved that flood risk is substantial throughout the community.
Not effectively. Flood insurance has a mandatory 30-day waiting period before coverage begins, so you can't buy it when a storm is approaching and expect immediate protection. You need to purchase flood insurance during calm weather and keep it year-round. This waiting period exists specifically to prevent people from buying coverage only when a hurricane is forecast.
It can help slightly, since insurers view master-planned communities favorably due to maintained infrastructure, controlled access, and consistent building standards. However, in Kingwood, the dominant factor in your insurance costs is flood risk, which overshadows most other considerations. The well-maintained drainage systems in master-planned areas do matter for flood mitigation, but they don't eliminate the risk that insurers saw demonstrated during Harvey.
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