HARLINGEN, Texas (KVEO) — The National Oceanic and Atmospheric Administration (NOAA) is predicting an above average hurricane season. Peak storms during hurricane season are expected in late August.
FEMA is encouraging Valley homeowners to sign up for their National Flood Insurance Program (NFIP). FEMA also says now is the time, because some policies may take up to 30 days to kick in.
The Insurance Council of Texas says the NFIP through FEMA is the main writer of flood policies.
We spoke with a representative with the Texas Department of Insurance, who says if you live in a flood plain you are required to get the insurance, but for other homeowners, it’s highly recommended living in a coastal region.
The Insurance Council of Texas also recommends getting windstorm insurance. If you live in one of 14 coastal counties like Cameron, your homeowner’s policy will not cover wind storm damage.
Chris Pilcic, spokesperson for State Farm says he recommends having one-on-one conversations with your insurance company about your coverage.
“Again it’s a really good time to think about those scenarios, and ask those what-if questions, so there are no surprises. Another important part about flood insurance is that it takes time for it to become effective, so if there is a storm threatening and your area becomes flooded it may be too late to get that policy,” says Pilcic.
Pilcic also recommends making sure your vehicles have the appropriate coverage should they encounter a flood. He also recommends meeting with your agent at least once a year to update your policy, and make an inventory list to include all the small items in your home.
If you would like more information about FEMA’s, National Flood insurance program you can click here.