Hurricane Season in Houston With hurricane season approaching, everyone living in a flood zone or near an area that was affecting by Harvey is taking a risk...the question is: should I sell my house, or get flood insurance?  Whether another Harvey ever comes or not is irrelevant.  In the eyes of the Insurance Companies (FEMA) this risk will always exist. If your house did flood, you may already (or in the very near future) be required by FEMA to have flood insurance on your home.