Corpus Christi Flood Insurance

Flood Insurance For All of Florida

Did you know the highest ranked natural disaster in the United States according to FEMA, is flooding? Many homeowners in Texas are surprised to learn their homeowners insurance policies don’t cover flooding events. This fact puts residents along or near the Gulf Coast in a difficult position. For coastal residents and others who live in flood-prone areas, proper flood coverage is crucial.

How Does Typical Home Insurance Define ‘Flooding?’

While things like indoor flooding due to broken pipes are covered by most homeowner’s policies, natural disasters may not have the same coverage. However, other kinds of damage classified as “flood damage” under standard home insurance and flood insurance policies aren’t quite so obvious. In other words, your house doesn’t need to flood with rainwater to sustain “flood damage.” As specified in typical homeowners and flood insurance policies, flood damage also includes:

·      Rain damage

·      Storm surge damage

·      Mud damage

It’s a guarantee that your existing home insurance (or any home policy you’re considering for purchase) won’t cover the above events.

Where Can I Buy Flood Insurance in Corpus Christi, TX?

The overwhelming majority of flood insurance policies across the US—including in Texas—are sold under the National Flood Insurance Program (NFIP). The NFIP is administered by the Federal Emergency Management Agency (FEMA).

To purchase FEMA flood insurance, you must go through an NFIP-Direct-affiliated agency. Ashworth & Sachs Insurance Services has sold flood insurance through NFIP for many years.

What Type of Texas Flood Insurance Do I Need?

Our dedicated Flood Team at All American Hallmark Insurance Agency will work with you to determine the Flood Zone your Home is in and explain ways that you may be able to lower your cost of Flood Insurance. We can determine the correct amount of coverage for your property and provide options from multiple Flood Insurance companies in Texas.

NFIP flood insurance policies come in two types:

Standard Flood Insurance

These policies are designed for residents who live in communities with an active and ongoing flood management plan. Such communities must also be able to demonstrate that they have enacted certain NFIP guidelines to reduce flood-based damages.

Preferred Risk Flood Insurance

These flood policies are designed for residents living in low-to-moderate risk zones. Such residents aren’t necessarily required to purchase flood insurance but have this option in case they experience a small flood or even an unexpectedly large one. Since preferred risk buildings are in an area less likely to experience a flood loss, property owners pay less money for the same amount of coverage.

Contact Us Today To Get Your Flood Insurance in Corpus Christi

If you live along the coast and your don't have flood insurance, call us right away! The experienced agents at All American Hallmark Insurance Agency will be happy to assist you in getting the best flood insurance in Corpus Christi, TX. To get your affordable flood insurance policy started, call All American Hallmark Insurance agency at (361) 993-6643!