Short answer
Flood exposure is property-specific and may not be covered by ordinary landlord insurance. FEMA maps are a starting point, not a guarantee.
What to do next
Review the address on FEMA maps and discuss coverage and disclosures with qualified local professionals.
Save the current lease, dated messages, receipts and any property-specific evidence together. A useful record shows what happened, when it happened and which document or rule you relied on.
Check the source
Rules may change and the right answer can depend on the home, city, lease and timing. Review the current official material before signing, charging a fee, sending a notice or making a legal decision.
Put it into your workflow
A repeatable process turns a one-time answer into a reliable rental record. Capture the action in your property file, assign a follow-up date if needed and make sure any tenant communication matches the signed agreement.
Review the address on FEMA maps and discuss coverage and disclosures with qualified local professionals.
General information for U.S. landlords, with a Texas focus. This guide is not legal, tax or accounting advice. Consult a qualified professional for your situation.