Depends on where in TV. The new Eastport area is pretty much all “flood plain”, flat.
Go north of Brownwood, much of TV is at least a little hilly, would be really tough to flood area.
Sink holes, it could happen, but unlikely.
Flood insurance thru FEMA or a no name company. I picked FEMA, $1,400 a year. The no name could ‘run out of funds’ in a heart beat.
My neighbor used Lloyds for a much better rate, which I will call next renewal. As it will take a while for our Eastport area to be reevaluated to hopefully be taken off as a flood zone.
Sink hole catastrophic coverage was included in our USAA policy. Meaning the house went down. What was not covered was a partial collapse, house can be rebuilt. That coverage was about $240 a year.
Of course rebuildable sink hole coverage has a big deductible, about $40k.
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