As far as I know, in Texas, the son is not responsible for the debts of the father. In other words, no one HAS to pay it off. But, the seller has the right to repossess the car. But, they can't make relatives or anyone pay for it. !
Yes, flood insurance can be purchased through the federal government. However, it can also be purchased as a rider to some homeowners insurance policies. You will want to compare homeowners insurance quotes then compare them to the flood coverage offered through the federal government to find out which is your best option.
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