If you want to know how close you live to a federally-designated flood plain, there's a map for that.
The Federal Emergency Management Agency's website allows people search detailed flood maps.
All you need to do is just put in your address, and you can see a map of your neighborhood.
Insurance companies use a number of factors in setting rates for flood insurance and rate the risk on a letter scale from A to X, said Dallas independent insurance agent Ken Davidson.
"Homeowners' policies do not cover you for flood, whether it's your dwelling, your property or your contents," he said. "You have to secure a separate flood insurance policy."
Davidson said more than 75 percent of Texans decide they can't afford it or don't need it.
But he warned when a flood hits, it's too late.
"You're buying insurance for claims and when that claim happens, you better make sure you have coverage," he said.
Once you buy a policy, it takes 30 days to go into effect, he said.