City of Austin

Austin, TX - The City of Austin continues its partnership with Del Valle Community Coalition to conduct a Flood Insurance Assistance Program. The pilot program provides as much as $2,000 in financial assistance for Austin homeowners to obtain or maintain flood insurance for one year. The goal is to support residents in high-risk flood areas by reducing financial barriers to coverage.

To be eligible for the program, Austin residents must:

• Own their home and live within the 100-year floodplain
• Have household income at or below 140% of the Median Family Income
• Use the funds to obtain, maintain or renew a flood insurance policy

Eligible residents can apply through the Del Valle Community Coalition website at ATXdvcc.org/flood. Homeowners are encouraged to apply before Jan. 31, 2026, in order to have their applications processed while funds last. Applications will be processed on a first-come, first-served basis. If approved, funds will be disbursed directly to an insurance company for policy payments. 

Because Austin participates in the National Flood Insurance Program and the Federal Emergency Management Agency’s Community Rating System, federally backed flood insurance is available to everyone in Austin at up to a 25% discount. The average annual policy in Austin is $670, but policies in floodplain areas typically cost more than $1,000.

Flooding can be financially devastating. The average flood insurance claim in Austin costs $21,000 as of 2021. Damage from flooding is not typically covered by home insurance policies. The federal government may provide resources following a large-scale emergency if certain cost thresholds are met, but homeowners without flood insurance are responsible to pay for any damages caused by flooding to their property.

About Austin Watershed Protection

Austin Watershed Protection protects lives, property and the environment of our community by reducing the impact of flooding, erosion, and water pollution. Visit AustinTexas.gov/Watershed to learn more.

About Austin Housing

Austin Housing creates and preserves housing opportunities to stabilize communities. To learn more about affordable housing and community resources that help you, visit AustinTexas.gov/Housing.

About Del Valle Community Coalition

Del Valle Community Coalition Non-Profit is a charitable organization that defends human and civil rights in underprivileged and under-served communities by fostering an environment where a coalition of our community works to cultivate a pipeline of engaged and empowered citizens that will pursue proactive solutions to community challenges when working with City and County leaders. Visit ATXdvcc.org.