While Californians are typically more concerned about wildfires than flooding, many are watching the devastation in Texas unfold. It's estimated that just 2% of households statewide carry a flood insurance policy.

The disappointing surprise is that while the standard home insurance policy does cover fire and wind damage, even good property insurance typically doesn’t cover things like flooding and earthquakes, which usually require a special and separate policy for each. Here are the things to know about flood insurance.

BEND, Texas (AP) — Across a wide swath of Texas, the inundated rivers that ravaged communities also tore through farms and ranches.

Many homeowners mistakenly believe flood insurance is only for those in high-risk zones or that homeowners’ insurance covers flooding.

Only about half of the homeowners potentially impacted by floods in Kerr County were in FEMA's flood zones, and even fewer likely had flood insurance.

Initial filings for unemployment benefits in Texas dropped last week compared with the week prior, the U.S. Department of Labor said July 10. New jobless claims, a proxy for layoffs, fell to 15,134 in the week ending July 5, down from 16,393 the week before, the Labor Department said.

The topic of insurance often causes glazed eyes in some readers not immersed in the industry, but insurance was a hot topic coming into the 89th Regular Session of the Texas Legislature. Interest stemmed not only from ongoing concerns about health insurance and pharmaceutical costs,

Home insurance costs are crushing Texas homeowners. Rates are soaring, relief is scarce – here’s what’s driving it and how you can still protect yourself.