This entirely depends on the location of your private property. If your area is prone to flooding or other kinds of natural disasters that could trigger floods, then it is most advisable to invest in flood insurance to protect your home and your personal belongings inside.
However, if your area is not as prone to flood, then you may seek advice from your insurance lawyer in Houston Texas if it is practical enough to purchase a policy that covers it. Otherwise, you may be better off purchasing insurance policies for natural disasters that occur more often in your area.