Cameron County Insurance Center     (formerly known as Coleman Hall and Heinze)

Port Isabel Office
302 E. Queen Isabella Blvd
Port Isabel, Texas 78578
Phone (956) 943-6481
Fax (956) 943-7086
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Texas Flood Insurance

Floods in Texas can happen anytime or any where. Even in the same place twice. Texas Floods are the leading natural cause of property damage. Four times more Texas homes are destroyed by flood than by fire, causing over $2 billion in property damage every year.

You don't have to live by the Texas Gulf Coast to be at risk. Approximately 30% of all Texas flood claims occur in low to moderate risk areas. Texas homeowner insurance does not cover flood damage, but Federal Flood Insurance does. Flood insurance also covers mudflow, dirt and debris resulting from moving water.

Texas homeowners with mortgaged property in a Special Flood Hazard Area (SFHA) are now required by federal law to obtain flood insurance. Lenders must comply by requiring flood insurance on the outstanding mortgage balance for the life of the loan.

Fortunately, Flood Insurance is affordable, though, flood damage is not. The average loss of property and contents from the 1993 Midwest flood was more than $25,000. Compare this to the average annual flood premium of about $300 per year.

Your coverage is based on your home's value, minus your land value. Flood Insurance up to $250,000 is available for residential buildings and also the option of up to $100,000 for contents. Since flood policies are backed by the US government, all valid claims are 100% guaranteed.

There is a 30 day waiting period for flood insurance, so the best way to protect your home is to act now, before the flood comes! Remember, just because you experience a flood disaster, that doesn't mean you have to experience financial ruin.

If you should have any questions regarding Flood Insurance, or we can assist you with a quote, please feel free to contact our office.

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(956) 943-6481







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Copyright @ 2007 Coleman Hall and Heinze Insurance - All Rights Reserved
Serving Cameron County Texas, The Texas Gulf Coast, Port Isabel, Brownsville, Harlengin, McAllen, Edinburg, Kingsville, Laguna Vista, San Benito, and South Padre Island, Texas.
Note: As stated in our "Terms of Service" (TOS) agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply, or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing.