League City Texas Flood Insurance

Nestled between Houston and Galveston, League City, Texas shares many of the same features of its neighboring cities: its population is large and continues to grow, social life is abundant and ever-changing, flooding is a major and yearly risk faced by residents. Yes, due to the city’s proximity to the Gulf of Mexico, residents and property owners in League City are affected by floods and related damage on an all-too-frequent basis. This is why the topic of flood insurance is so very important to this city.

Tropical storms, hurricanes, and heavy rainfall from inland storms are all factors that contribute to flooding in League City. While city officials have worked hard to engage in floodplain management, there are still times and situations where Mother Nature will outdo any means of protection constructed by humans. These areas where flooding is likely to occur despite the efforts of flood control are known as Special Flood Hazard Areas (SFHA). The Federal Emergency Management Agency (FEMA) designates areas as SFHAs if the land has at least a one-in-four chance of flooding during a thirty-year period.

Property owners in League City may question the need to purchase additional coverage. After all, homes and businesses are expensive to care for, and insurance is already a part of these expenses. But what people do not realize is that standard homeowners and business policies do not cover flood damage. This leaves individuals to cover flood damage costs out-of-pocket, something that many would not be able to do without assistance in the form of loans, if they choose to repair the damage at all. Even one or two inches of water can easily result in several thousand dollars of damage.

For League City residents who are interested in purchasing flood insurance, there are two options available on the market. The first is the National Flood Insurance Program (NFIP), which is a government-funded program and was the only provider on the market until recent years. The second, and newer option, is the National Catastrophe Flood Insurance Program (NCIP). The NCIP is backed by a private insurer and is currently available in a select number of states with higher flood risks, including Texas.

Each program has its pros and cons, and should be carefully researched before making a decision. The NFIP can offer subsidized policies to property owners in League City who make amendments to their property while will reduce potential flood damage, but the NCIP often offers lower premiums than the NFIP in the first place. Both programs will provide coverage for structural damage, but the NCIP typically has higher and more comprehensive coverage limits.

Floods are unpredictable and difficult to control or contain. By taking proactive steps through physical flood mitigation efforts and obtaining financial protection thorough flood insurance policies, home and business owners in League City, Texas can rest assured that they will be among the best prepared when a natural disaster does occur. Contact us now for more information about the League City 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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