KERR COUNTY, Texas — After the July Fourth flooding in Kerr County, the Federal Emergency Management Agency (FEMA) will be partnering with a Texas agency to reevaluate flood risk maps. But what does the July Fourth flooding mean for flood insurance requirements and insurance rates?

KENS 5 contacted the Insurance Information Institute and the Insurance Council of Texas to find out.

Will people living in FEMA-designated "Flood Hazard Areas" be required to get insurance after a flood?

No. Mark Friedlander with Insurance Information Institute told KENS there is no federal or state requirement to buy flood insurance even after a flooding disaster.

"There are no state and federal laws that require anyone in the country to have flood insurance," Friedlander said.

If a person has a mortgage

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