Texas Flood Insurance Information
Even though flood insurance is relatively inexpensive,
most homeowners do not choose to purchase the
insurance protection available. According to the
Federal Insurance Administration, less than one
quarter of the homes in areas most vulnerable are
insured against flood loss. In those areas, flooding is
24 times more likely to occur than a fire during the
course of a typical 30 year mortgage.
A standard homeowners insurance policy will not
cover damages caused by flooding. You must have
flood insurance from an insurer that writes for the
National Flood Insurance Program. If your community
participates in a floodplain management program, you
should be eligible to buy the coverage no matter if your
flood risk is low, medium or high. Residents of
"coastal barrier areas" and communities that do not
participate in floodplain management programs may
have trouble finding flood insurance coverage. Texas
flood insurance is also available to renters,
condominium owners, and co-op owners.
We are a Blessing, TX insurance agency offering lower Texas flood insurance
policy rates in the following towns, cities and counties in southeast Texas:
Midfield, Francitas, Elmaton, Buckeye, La Ward, Ganado, Danevang, Point
Comfort, Palacios, Port Alto, Weedhaven, Schicke Point, Olivia, Port Lavaca,
Magnolia Beach, Lolita, Vanderbilt, La Salle, Edna, Clemville, Bay City, Matagorda,
Collegeport, Wadsworth, Markham, Cedar Lane, Van Vleck, El Campo, Wharton,
Sargent, Lake Jackson, Freeport, Surfside Beach, Angleton, Brazoria, Sweeny,
Old Ocean, West Columbia, Victoria, Kamy, Placedo, Dacosta, Guadalupe,
Telferner, Inez, Port O'Connor, Seadrift, Indianola, Morales, Bloomington,
McFaddin, Tivoli, Glen Flora, Egypt, Speaks, Cordele, Magnet, Lane City, Boling,
Pledger, Newgulf, Burr, Nursery, Thomaston, Fordtran, Cuero, Jackson County,
Calhoun County, Brazoria County, Fort Bend County, Wharton County, Harris
County, and Matagorda County, TX.
Flood Perils Include:
A general and temporary condition of partial or
complete inundation of two or more acres of
normally dry land area or of two or more properties
at least one of which is yours from:
Collapse or subsidence of land along the shore of a
lake or similar body of water as a result of erosion or
undermining caused by waves or currents of water
exceeding anticipated cyclical levels that result in
flood as defined above
Unusual & rapid accumulation of runoff or surface
waters from any source that result in a flood as
defined above
Overflow of inland or tidal waters that result in a flood
as defined above
Mudflow defined as a river of liquid and flowing mud
on the surfaces of normally dry land areas, as when
earth is carried by a current of water that result in a
flood as defined above
Outside of fire, flooding is the most widespread
natural disaster. According to the National Flood
Insurance Program, two adjacent properties have to
be under water to call the situation a flood. In a rural
area, at least 2 acres must be submerged.
The two primary types of Texas Flood Insurance Policies are listed below.
Actual Cash Value Policy
The value of property as figured by determining the cost to replace the damaged or
destroyed property and adjusting the replacement value by subtracting an amount
that reflects depreciation. Or in other words, replacement cost minus
depreciation. Homeowners are entitled to a replacement cost value if they live in
their homes at least 80% of the time and have flood insurance coverage for at least
80% of their home's market value.
Commercial and apartment buildings will be covered only for actual cash value.
Replacement Value Policy
The amount it costs to replace or rebuild a damaged property. Replacement cost
coverage is available only for the building portion of a condominium insurance
policy. Owners of single-family homes may be able to buy replacement cost
coverage on the building portions of their flood insurance policies. A Texas flood
insurance replacement value policy will pay only the replacement value up to the
coverage limit providing the following conditions are met:
Southeast Texas in particular has special flood insurance concerns from tropical
storms and hurricanes. Be prepared! Click on the link below to fill out a secure
quote request form for a Texas Flood Insurance policy that will provide excellent
personal insurance coverage at an affordable cost. Or you can speak with our
Texas Flood Insurance specialist toll free at (888) 588-2152 to discuss the
features in more detail.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.

Please be advised that insurance coverage cannot be bound, changed or confirmed via
voicemail, email, fax or online at the agency's website. You must speak directly with a
licensed insurance agent.
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For example, if rebuilding your home will cost $250,000, but you only purchased
$200,000 in coverage, your insurance policy will pay you only $200,000.
1. the insured building is a single-family dwelling
2. the insured dwelling is your primary residence, meaning you live there at
least 80% of the year
3. the insured dwelling coverage is at least 80% of the current full
replacement cost of the dwelling, or the dwelling limit is the maximum
allowed for the dwelling under the current NFIP guidelines
COASTAL INSURANCE GROUP
Serving the flood insurance needs of the Texas Gulf Coast!
Coastal Insurance Group
1012 CR442
PO Box 515
Blessing, Texas 77419
Matagorda County TX
(361) 588-2152
Fax: (361) 588-1287
Toll Free: 888-588-2152
888-588-2152
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