As we approach the end of the first month of hurricane season, it’s crucial to have evacuation plans, an emergency kit, wind-resistant window and door protection, and insurance from ACU Insurance Services. One of the most important components of hurricane preparedness is flood insurance, which plays a vital role in 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 typically 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 have a 30-day waiting period before coverage takes effect. This means the best time to secure flood insurance is when the weather is calm and stable. 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 weakening on land, hurricanes can still 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 coastline. For instance, 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 experienced the devastating effects of hurricanes on homes and businesses. Many residents are still recovering 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 critical 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. Contact us or visit our League City, TX office for more information on flood insurance.
