Texas Flood Insurance Zones Explained

Revolutionary Insurance Group serves the Corpus Christi, TX community. We are striving to change the way that people look for insurance coverage. We work closely with our clients to help them find policies that align with their individual needs. We have relationships with over 20 carriers throughout the state. We offer unique coverage options, so our clients are protected both in the present and while they plan for the future.

Texas Flood Insurance Zones Explained

Flooding is a major problem throughout Texas. Many Corpus Christi, TX residents understand how severe Texas weather is, especially during the summer. Flooding can occur at any moment. That’s why flood insurance is a necessity. The policy covers your property if it is damaged due to severe flooding. Your personal items are also covered if they suffer flood damage. If you have luxury paintings and other valuables at your home, you can amend your policy to cover those items if they are severely damaged due to flooding.

Pay attention to the flood zones, as that can help you adjust your policy, if necessary. Areas B and X along with C and X are considered relatively low-risk flood zones. Occasional drainage problems may occur, but not enough to cause substantial flooding. Areas A and AO are considered high-risk flood zones. There are areas where severe flooding will occur at least once a year. If you reside in these zones, flood insurance is essentially mandatory. If you stay in flood zone V, you may also be legally required to obtain flood insurance. Pay attention the map regularly, as the flood zones could change every few years.

Revolutionary Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about flood insurance.  

The Advantages of Flood Insurance for Businesses

Flood insurance may not seem like the kind of thing that your business needs. However, we at Revolutionary Insurance Group know differently. Here’s how this type of policy can protect your Corpus Christi, TX company when the flood starts flowing through your company’s halls.

Protect Your Records 

You probably have many financial records (including tax information) that you don’t want to lose during a flood. As a result, it is important to get flood insurance to help. This policy can help you by replacing all of your records or paying for duplication fees before the flood hits. They don’t pay for these costs before, mind you, but may help after.

Minimize Cloud Storage Problems 

Many companies have cloud storage elements in their basement or banks of computer components that they don’t want to get damaged. Unfortunately, water during a flood can easily cause severe damage to these elements and trigger a variety of problems. Flood insurance may help to pay to replace these elements and keep your business strong.

Keep You Financially Secure 

Lastly, flood insurance helps your company by minimizing the impact that a flood can have on your finances. For example, it can pay for all flood-related repairs, cover your business losses (including missing customers due to the flood), and even pay your wages for your employees. This kind of protection will give you the help you need to stay secure.

Don’t Neglect Help

Are you struggling to find flood insurance that makes sense for your needs? Let us at Revolutionary Insurance Group give you the help that you need. Our team works with Corpus Christi, TX, residents every day to provide the high-quality policies needed to minimize concerns.

What Does Flood Insurance Not Cover?

You already trust our team at Revolutionary Insurance Group in Corpus Christi, TX for all of your personal line coverage needs. But did you know that we also offer flood insurance?

This handy policy helps protect your residence in the event of a serious flood, which occasionally happens this close to the coast. However, it doesn’t always handle everything, which is why it is so important to know what’s excluded from your policy. Here’s what you need to know about what flood insurance does not cover.

What Flood Insurance Typically Doesn’t Cover

While having flood insurance is great in case of a huge storm or coastal flooding, it is important to remember what your policy typically excludes. The most common items to remember are:

  • Anything damaged by mildew or moisture is not associated with a flood.
  • Damage is caused by the movement of soil or earth movement, such as mudslides.
  • Temporary housing while repairs are being made or loss of use.
  • Personal property outside your main building, such as patio furniture, plants, septic systems, swimming pools, hot tubs, sheds, etc.
  • Paper currency or stock certificates inside your home at the time of a flood.

Of course, this is just a shortlist. It is vital to read your policy documents fully to understand what is and what is not covered by flood insurance.

All Flood Insurance Has the Same Restrictions

It is important to note that all flood insurance is the same in terms of what is covered and not. Policies are written by the National Flood Insurance Program (NFIP) and sold through individual agencies like ours. The limits and coverage are still the same, no matter who you purchased your policy from.

Protecting your Corpus Christi, TX home from unexpected flooding is important. Please get in touch with our team at Revolutionary Insurance Group today to schedule an appointment to discuss your options.

Why is Getting Flood Insurance Early in Corpus Christi, TX A Good Decision?

Protecting your home at all times is something that homeowners take great pride in. The investment that it takes to obtain a home can all be wiped away from one natural cause. Climate change has been a major topic of discussion for a couple of years. Weather patterns have been drastically changing and are noticeable enough to keep track. With summer right around the corner, it is the perfect time to start thinking about purchasing flood insurance. 

At Revolutionary Insurance Group, we strive to have people see insurance from a new modern-day viewpoint. Since 2004, our team continues to provide high-quality service to our local clients. Flood insurance for the residents of Corpus Cristi, TX is of the utmost importance. Here is why you should start looking to invest in insurance before it is too late. 

If you are in a flood zone, what does this mean to you? 

When you are living in a flood zone, there is the National Flood Insurance Program (NFIP). This is a great program that is controlled by FEMA and comes with a great benefit. Your rates are always set, and that can give you peace of mind before the storm arrives. 

Prepare for the unexpected.

While it may seem like a flood would never come across your path, anything can happen. The number of floods has continued to pick up over the years. As a resident of Corpus Christi, you do not want to take any chances in thinking that you and your house will not be affected during any level of flooding that may occur this summer. 

Do you have any questions to ask our agents in regards to protecting your family with flood insurance? Discover your options by contacting the Revolutionary Insurance Group in Corpus Christi, TX. Our team is ready to answer your questions and find you a quote.