As we approach the end of the first month of hurricane season, it’s essential to have evacuation plans, an emergency kit, wind-resistant window and door protection, and insurance from ACU Insurance Services. One of the most critical components of hurricane preparedness is flood insurance, which is vital for rebuilding your life after a disaster.
Why Flood Insurance Is Essential During Hurricane Season
Filling the Coverage Gap
Standard home, renters, and commercial insurance policies do not cover hurricane-related flooding, leaving a significant coverage gap. Flood insurance bridges this gap by providing protection for structural damage and personal belongings.
Coverage Activation Delays
Flood insurance policies typically do not activate immediately. Most policies have a 30-day waiting period before coverage begins. The best time to secure flood insurance is when the weather is calm. If you wait until a hurricane is imminent, the policy you purchase won’t take effect in time to cover the current storm—it will only apply to future events.
Hurricanes and Flooding
Even after losing strength on land, hurricanes can continue to cause significant flooding due to their ability to retain water and heat. These storms can travel hundreds of miles inland, bringing heavy rainfall and flooding to areas far from the shoreline. For example, being 25 to 27 miles from the coast means a hurricane can still impact League City, TX, with near-full strength, flooding both flood-prone and non-prone areas.
Historical Impact of Hurricanes
Located near Galveston, TX, League City has witnessed the devastating effects of hurricanes on homes and businesses. Many residents are still working to recover from past storms. Historically, the longest gap between hurricanes making landfall is six years. Additionally, out of over 300 hurricanes recorded since 1851, the Texas coast ranks second to Florida, with 64 hurricanes hitting the region.
Flood insurance is a crucial tool for preparing for the unexpected. At ACU Insurance Services, our agents can help you find flood insurance coverage that complements your renters, home, or commercial insurance plans. For more information on flood insurance, call or visit our League City, TX office.
