Living near the Texas Gulf Coast means flooding isn't a rare or distant threat — it's a real possibility every hurricane season, and
sometimes even after a heavy afternoon thunderstorm. Whether you're right along the water or a few miles inland, knowing how to prepare, evacuate, and recover safely can make all the difference for your family.
Flooding doesn't always arrive with plenty of warning. Storm surge from a hurricane can rise in hours, and flash flooding from intense rainfall can happen with almost no notice at all. Being ready before the water starts rising is the best protection you have.
Know Your Risk Before the Storm Season Starts
Take time now to understand which parts of your property and neighborhood are prone to flooding. Low-lying streets, drainage ditches, and areas near bayous can flood quickly even during storms that don't look especially dangerous on paper. If you live in one of these areas, plan your evacuation route in advance rather than trying to figure it out under pressure.
Build a Real Emergency Kit
Every household should have at least three days of supplies ready to go: water, non-perishable food, a flashlight, a battery-powered or hand-crank radio, medications, a first aid kit, and copies of important documents like your
insurance policy, ID, and medical records. Keep this kit somewhere easy to grab quickly, since you may not have much time to gather things once a warning is issued.
Understand Watches vs. Warnings
A flood watch means conditions are favorable for
flooding in your area — it's time to double-check your kit and stay alert. A flood warning means flooding is happening or is about to happen, and you should be ready to leave immediately. Don't wait for water to reach your door before deciding to evacuate.
If You Need to Evacuate
Move quickly to higher ground and don't wait for official instructions if flash
flooding is a realistic threat where you live. Before you leave, if time allows, move valuables to an upper floor, bring in outdoor furniture, and turn off utilities at the main switch if instructed to do so. Never touch electrical equipment while you're wet or standing in water.
Never Underestimate Moving Water
It doesn't take much water to sweep a person or a vehicle away. Roughly six inches of moving water can knock an adult off their feet, and about a foot can float a car. Two feet of fast-moving water can carry away trucks and SUVs. If you come across a flooded road, turn around — every year, drivers underestimate how dangerous a few inches of water on the road can be.
After the Water Recedes
Don't return home until local authorities say it's safe. Avoid contact with floodwater, since it can carry sewage, chemicals, or downed power lines. Watch for structural damage before entering any building, and have septic systems and utilities inspected before using them again.
Once you're able to safely assess the damage, contact your insurance provider right away to begin your flood claim. The sooner you report it, the sooner you can start the recovery process.
Brad Spurgeon Insurance Agency has helped Texas City families find
flood coverage that matches their real risk, not just a generic policy. If you don't already have flood insurance in place, now is the time to talk to us — waiting until a storm is already in the forecast is often too late. Call us or request a free flood insurance quote today.
Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.
Brad Spurgeon Insurance Agency
Texas City, TX
(409) 945-4746
brad@bradspurgeonins.com
https://www.privatewindstorm.com/
