Lufkin Texas Flood Insurance

The seat of Angelina County and named after a cotton merchant; Lufkin, Texas is called home by nearly 36,000 individuals. Being in a land-locked area, property owners in Lufkin may think that they are immune from the risks of flooding. But is this true? Does the fact that it is situated far away from the Gulf of Mexico mean that Lufkin property owners are free and clear from flood risks?

As you might imagine, the answer is no. Regardless of where a property is located in relation to a substantial body of water, properties can and will flood. Heavy rains can cause property to flood, leading to substantial damage and the astronomically high costs associated with repairing the damage. While Lufkin is not home to any lakes, bays, gulf coasts, etc; there are several creeks that can cause flood-related issues for property owners.

Areas along the Shirley, Cedar, and Mill creeks are classified as Special Flood Hazard Areas (SFHAs) by the Federal Emergency Management Agency (FEMA). Based on hydraulic studies and analysis of historical data, FEMA has determined that these areas have a 1-in-4 chance of being subjected to flood waters during a 30 year period. Because of the increased risk in these areas, federal regulations require that these properties be covered by flood insurance. Other properties in Lufkin are not required to be covered with an insurance policy, but coverage is still strongly recommended.

Most property owners have insurance policies to financially protect the buildings on the property and the contents within, but most property owners do not realize that these policies do not cover the costs of flood-related damages. Sadly, many do not realize this until after the fact. In order to best protect their property, home and business owners should take some time to research what kind of flood insurance policy will best meet their needs.

One option for coverage is to obtain a policy through the National Flood Insurance Program (NFIP). Policies are offered through the federal government, and premiums for these policies are often subsidized by the government as well. Property owners can work with local, regional, and national insurance agents to obtain a policy through the NFIP.

A second option for obtaining flood insurance coverage is to purchase a policy through the National Catastrophe Flood Insurance Program (NCIP). The NCIP is a newer option for Lufkin insurance buyers, and is underwritten by private insurers. Agents who offer policies through the NCIP tout the program as having more comprehensive coverage, higher coverage limits, and shorter wait times for policy activation.

Property owners in Lufkin, Texas take many steps to protect and care for their properties- building maintenance, painting walls, mowing the lawn, installing security systems etc. While purchasing a flood insurance policy might not protect against rising flood waters, it is one step that they can take to protect themselves against high costs that could cripple them financially and potentially destroy their livelihood. Simple steps taken today can provide financial peace of mind for the future. Contact us now for more information about the Lufkin Texas flood insurance.

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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