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Floods happen in Texas.  You don't have to live along the Gulf Coast to experience a flood.  It can happen anywhere, anytime, and in a matter of minutes.  Most believe a flood only happens near creeks or bayous, but heavy rain-fall/flash flooding can trigger floods in areas with bad drainage and construction.  Merely living in Zone X does not guarantee a safe harbor.  The best plan of action is to have flood coverage before it happens.
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Flood Smart...its no joke.