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Are Hurricanes Covered by Homeowners Insurance?

As a reminder we are steadily approaching the height of hurricane season. Right now, we are watching Tropical Storm Barry develop and possibly become a hurricane in the Gulf of Mexico.

In most Texas counties, standard homeowners policies cover damage caused by wind, including hurricanes. However, property located near a coastal county or along the Gulf of Mexico might exclude or limit this coverage. If your home or condo insurance policy does not cover wind, storm, or hail, you will need to purchase a second policy to address the risk of hurricane. Check your policy terms now and speak with your personal Texas independent insurance agent so you can choose the coverage most important to you.

When Can I Purchase Hurricane Insurance?

It is important to note most companies will not accept new or increased coverage applications after a windstorm of flood after a named tropical storm or hurricane is designated by the United States Weather Bureau. Typically when the storm is within the boundaries of 80 degrees west longitude and 20 degrees north latitude or has entered the Gulf of Mexico insurance companies will no longer accept coverage requests. Its is important to plan ahead and prepare.

Does Hurricane Insurance Cover Flood?

Long periods of steady rainfall surrounding a tropical storm and hurricane event can cause flooding inland hundreds of miles away from the coast. Flood or rising water can occur anywhere and is not covered on most homeowners, renters, or even condo insurance policy in Texas.

One of the important measures our clients can take to be prepared is to make sure insurance coverage is in place well in advance of a storm that threatens the Texas coast. Your local personal independent insurance agent works with multiple insurance companies and can help you quote Hurricane, Wind, Flood and Home insurance. Contact us to start your quote.

Flood and hurricane resources to help organize, plan or prepare your family, home and pets:

  • National Flood insurance program
  • FEMA
  • Department of Homeland Security
  • National Hurricane Center


About the author

Riley Britton

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Contact Us in Austin
Britton and Britton Insurance
2028 E. Ben White Blvd
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Austin, TX 78741
512-469-0693
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Contact Us In San Antonio
Britton and Britton Insurance
9901 W Interstate 10
Ste. 800
San Antonio, TX 78230
210-493-4057
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Recent Blog Posts
  • Do I Really Need Liquor Liability Insurance in Texas?

    May 14, 2025
  • Do I need Life Insurance? Why Securing Life Insurance Now is a Smart Financial Move – Clone

    March 11, 2025
  • What is my home insured value?

    February 8, 2025
  • 7 Tips for Identifying Asphalt Shingle Damage

    October 8, 2024
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Descriptions of insurance products and packages are meant to offer general ideas only, are necessarily brief, and are subject to policy provisions, limits, deductibles, exclusions and conditions that can only be expressed in the policy itself. For a broader explanation of coverages, please consult one of our licensed agents. Coverages and programs vary by company. In the event of a conflict, the terms and conditions of the policy prevail.


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