According to Fred Garcia, P.E., Director of Communications for the Harris County Flood Control District, in a letter dated August, 2009:
We recommend that all Harris County residents have flood insurance. Even if your home is not in a mapped flood plain and even if it is elevated to current standards above the 100 year flood plain. In a sense, all of Harris County is in a flood plain, and all of us are at risk of flooding to varying degrees. If you’re not in a mapped flood plain, it doesn’t mean you don’t need flood insurance, it means you get cheaper flood insurance!
Have you got flood insurance, yet? A time of heavy rain can happen any time along the Gulf Coast area. Don’t put it off — call your insurance agent. Please read this op-ed: