Aransas Pass Texas Flood Insurance

Aransas Pass Texas Flood Insurance

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Located along Redfish Bay; Aransas Pass, Texas is called home by residents who enjoy living in a picturesque city along the water and is tourist mecca for fishermen and people just looking for a peaceful place to relax.

Anytime a property is purchased, there are many considerations to make- the integrity of the structure, the cost, the neighborhood, etc. Another important consideration is insurance, and while homeowners and general business insurance are often forefront on a property owner’s mind, many times there is little consideration made for flood insurance. Oftentimes, flood insurance can be overlooked because the issue of flooding is not exceptionally common in many places. Even Special Flood Hazard Areas (SFHAs) considered to be at high-risk for flooding have only a 25% chance of being flooded one time during a thirty year period.

But just as ignorance of the law is no excuse, ignorance to the risk of flooding in Aransas Pass is no excuse to not at least consider the need for flood insurance coverage. Floods can happen nearly anywhere at almost any time, and damage from flood waters is often extensive and very expensive. Standard homeowners and business property insurance policies typically do not cover flood damages, so property owners often find themselves unprepared when a flood inevitably does occur.

The good news for property owners in Aransas Pass is that there are now multiple options when it comes to purchasing flood insurance. Traditionally, the National Flood Insurance Program (NFIP) was the only entity that offered policies to individuals living in SFHAs or other flood-prone areas. The NFIP is a government-back program, and policies are available for purchase through local, regional, and national insurance agencies.

Relatively new to the market is the National Catastrophe Flood Insurance Program (NCIP). Unlike the NFIP, this is a privately-backed insurance option provided through local and regional private insurance agencies. The NCIP touts itself as providing more comprehensive coverage and higher coverage limits than other programs. No special certifications or evaluations are required to obtain a policy through the NCIP.

Action is of the utmost importance when it comes to purchasing flood insurance. After determining which program and policy best fits a property owner’s needs, new policyholders must wait fifteen (NCIP) to thirty (NFIP) days for their policy to become active. Considering that Aransas Pass could be inundated with floodwaters immediately due to heavy rainfalls or slowly over a period of days from storm surge, unnecessary waiting could backfire and quickly become expensive.

Like any other location in the United States, residents and business owners of Aransas Pass do not want to see their dreams and their livelihood destroyed by flood waters. It is an incredibly emotional and psychological burden to be affected by a natural disaster. But by evaluating insurance needs now and taking appropriate action to purchase a flood insurance policy, it can be fairly simple to obtain the peace of mind that comes from knowing that a piece of property is protected against the high costs of natural disaster. Contact us now for more information about the Aransas Pass Texas flood insurance.

Port Aransas Flood Tips-FEMA maps for Port Aransas are currently out of date and not a good indicator of flood risk. Visit your local flood insurance provider to discuss your current coverage options and find a plan that works for you.
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All information is general in nature and is intended to provide guidance only. It is up to you to request specific coverage options, the agency and agent do not bear this responsibility. Always read the policy if there is a questions about coverage or a claim. If any information herein should conflict with your actual policy’s specific language, the policy language will be controlling.

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Taking 2 minutes to complete the quote form may help you to save hundreds! Upon receipt we will provide a quote to you within 2 hours of your request.

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