Flood & Storm Insurance in Texas
Essential protection for Texas weather. Flood insurance, hurricane coverage, and storm damage protection for Temple, Corpus Christi, and homeowners across the Lone Star State.
Important: Standard homeowners insurance does NOT cover flood damage. Separate flood insurance is required for full protection.
Texas Weather Coverage Options
NFIP Flood Insurance
Federal flood insurance through the National Flood Insurance Program. Available to all Texas homeowners, renters, and business owners in participating communities.
Private Flood Insurance
Alternative flood coverage that may offer higher limits, better pricing, or faster claims processing than NFIP policies for qualifying Texas properties.
Hurricane Coverage
Wind and storm surge protection for Gulf Coast properties. Essential coverage for Corpus Christi and coastal Texas homeowners during hurricane season.
Windstorm Insurance (TWIA)
Texas Windstorm Insurance Association coverage for coastal properties. Required coverage for many Nueces County homes and businesses.
Hail Damage Coverage
Protection against Texas hailstorms that can devastate roofs and vehicles. Critical coverage for Central Texas and Bell County properties.
Storm Surge Protection
Coverage for ocean water pushed inland by hurricanes. Essential for coastal Corpus Christi properties near the Gulf of Mexico.
Texas Weather Risks by Region
Central Texas (Temple/Bell County)
- Flash Flooding: Sudden, intense rainfall can cause dangerous flooding in low-lying areas and near creeks
- Severe Hailstorms: Large hail can cause significant roof and vehicle damage throughout Bell County
- Tornadoes: Central Texas is in Tornado Alley, requiring comprehensive wind coverage
Gulf Coast (Corpus Christi/Nueces County)
- Hurricanes: Category 1-5 storms bring devastating winds, rain, and storm surge to the Texas coast
- Tropical Storms: Even weaker systems can cause significant flooding and wind damage
- Storm Surge: Ocean water pushed inland can devastate coastal properties near Corpus Christi Bay
Texas Flood Insurance Facts
30
Day waiting period for new NFIP policies
40%
Of flood claims come from low-risk zones
$250K
Maximum NFIP building coverage
1"
Of water can cause $25K+ in damage
Don't Wait Until It's Too Late
Flood insurance has a 30-day waiting period before coverage begins. If a storm is approaching, it's already too late to get protection. Contact Maxwell Insurance today to secure your flood coverage.
Get Covered NowProtect Your Texas Property from Weather
Get comprehensive flood and storm coverage before the next Texas weather event. Maxwell Insurance Agency serves Temple, Corpus Christi, and all of Texas.
Call (254) 294-3311