624 W Main Street, Ste 101, League City, Texas 77573
League City has two flood plains, the 100 year and the 500 year. Even if your home is located in the 500 year flood plain, acts of nature are unstoppable.
In April of 2009 heavy rains caused flooding in areas of League City that were located in the 500 year flood plain. Heavy downpours, stopped up rainwater drainage systems or tidal surges can all contribute to rising water.
Home Insurance in places such as Kemah, Tx can be challenging because of the specialized risk that comes with living in this beautiful coastal community. Most Home Insurance policies will NOT cover you for Windstorm, Hurricane, Hail or Flood which are all needed coverages in this bayside area.
Be sure you are working with a local agent who is familiar with the area and has the knowledge to navigate and simplify the policies you need for Kemah.
Windstorm, Hurricane and Hail are excluded from most homeowner’s insurance policies in Galveston County.
Windstorm coverage is obtained by a separate policy that covers only these perils. It’s very important to work with an agent that understands the specialized nature of coastal areas and can provide solutions to these risks. Major carriers exclude Windstorm Hurricane and Hail in our area because the chance of loss or catastrophe is imminent.
Flood insurance for North Galveston County areas like League City, Dickinson, Kemah and Bacliff can be confusing. Some areas along Galveston Bay are in the dreaded 100 year flood plain because they are close to the water or subject to the possibility of tidal surge flood.