Texans could lose flood insurance if Congress doesn't pass a spending deal. Here's what to know

But most flood insurance policies in Texas are written by the federal government. If Congress doesn't act to reauthorize the National Flood Insurance Program by Sept. 30, it will lapse, leaving thousands of Texans vulnerable during hurricane season, which goes through November. Roughly half of the residential NFIP policies in Texas— about 247,000— are in Harris…