The catastrophic flooding in Houston brings back terrible memories of the flood I experienced during the early morning hours of Tuesday, May 26, 2015 when my apartment in the Meyerland area of Houston took on three feet of water and I lost most of my belongings including my car. There was no warning that the Brays Bayou would leave its banks that night. My Meyergrove apartment has flooded again twice since I left Houston in September 2015: once on April 18, 2016, and again this weekend. This frequency of flooding is unprecedented in that area of Houston.
Everyone with a ground floor apartment lost most of their belongings in my apartment complex during the Memorial Day Weekend 2015 flood. No one I talked to had flood insurance, and everyone had renter’s insurance that did not cover their flood damage, so they lost a lot.
Which brings up an important point. Why are there not laws to require lessors to disclose to renters when the apartment or house they are renting lies in a flood plain? If the lessor has flood insurance on their property, then they should be required to inform their tenants of that fact and clearly communicate that the tenant should purchase flood insurance in addition to their renter’s insurance. After all, when you are buying a house, you cannot get a home loan unless you purchase flood insurance if you are living in a flood-prone area. Why do not renters have the same protection?
Perhaps there are other areas of the country where landlords have to disclose to their renters if they will be living in a flood plain, but there appears to be no such protection for renters in the state of Texas.