Tag Archives: Flooding in Texas

Who Needs Flood Insurance? The Answer May Surprise You

The 2017 Atlantic hurricane season is shaping up to be one of the worst seasons in over a decade. Earlier this year, the National Oceanic and Atmospheric Administration (NOAA) forecast up to 17 named storms for the season, and Tropical Storm Risk (TSR) predicted three major storms rating Category 3 or higher.

A motel demolished by Hurricane Harvey in Rockport, TX. (Photo Credit: The Texas Tribune)

On August 25, Hurricane Harvey became the first major hurricane to make landfall in the U.S. since 2005. As a Category 4 storm, with sustained wind speeds up to 130 miles per hour, Harvey battered the Texas Gulf Coast, causing significant structural damage in the Rockport and Fulton area and several other coastal towns. As the storm moved inland, the winds subsided to tropical storm levels, but record-breaking rainfall (more than 50 inches in 48 hours in some cases) caused historic flooding in Houston and other South Texas cities. (For perspective, the storms that caused historic flooding in the Midwest earlier this year delivered 10-15 inches of rain in a week.)

Harvey could end up being the costliest natural disaster in U.S. history. At least 60 deaths have been attributed to the storm and related complications. Some 200,000 homes were damaged, leaving more than 1 million people displaced. Texas Governor Greg Abbott has estimated the damage at $150 – $180 billion.

>> Fast Fact: In 2012, Superstorm Sandy caused 150 deaths in the U.S. and $71 billion in damages.

Now a second major storm, Hurricane Irma, is barreling through the Caribbean with the potential to make landfall in Florida, including Miami and the Keys. Already a Category 5—and the strongest storm ever recorded outside the Caribbean and the Gulf of Mexico—if Irma does strike the U.S. as a Category 3 or higher, it will be the first time two major storms have struck the U.S. in the same hurricane season. Continue reading

Texas Braces for Hurricane Harvey. 10 Tips for Flood Insurance Claims

 

Flood Insurance

The warnings are urgent. Hurricane Harvey has strengthened to a Category 2 storm and could hit land with up to 3 feet of rain, 125 mph winds and 12-foot storm surges. As heavy rain and gusty winds move in over Texas, coastal residents are deciding whether to flee their homes or to stay put and brace for a potentially life-threatening hurricane. Regardless of your decision, there are some things you can do to prepare your home for potential flooding.

Hurricanes of this magnitude not only cause catastrophic flooding but also catastrophic losses for homeowners. Some people have found themselves underinsured, or sometimes with no flood insurance at all. Did you know, flood insurance is not typically part of your home insurance policy? If you are not in a flood zone you can still purchase flood insurance. But even those homeowners with proper levels of flood insurance coverage, find themselves going through the often frustrating experience of filing claims and getting their lives back to normal. Though this process can be slow and confusing, findlaw.com recommends ten important steps when dealing with storm-related damage that can help take away some of the pain. Stay safe, Texas!

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