With hurricane season in full swing across the Brazos Valley and Gulf Coast regions, it’s critical to understand one of the most misunderstood forms of protection: flood insurance. At Van Dyke Rankin, we believe preparedness starts with knowledge. This blog breaks down what flood insurance covers, how it works, and what steps you should take now to protect your home and finances before—and after—a flood event. We’ll also explain how our experienced team can help guide you through policy options and claims, with free quotes to make the decision easier.
What Is Flood Insurance?
Flood insurance is a specialized policy designed to cover water damage caused by rising waters—such as hurricanes, overflowing rivers, or flash floods. It’s not included in standard homeowners insurance policies, which means many property owners don’t realize they’re unprotected until it’s too late.
Flood insurance is typically offered through the National Flood Insurance Program (NFIP), which is managed by FEMA and sold through licensed insurance providers like Van Dyke Rankin.
What Does Flood Insurance Cover?
A flood insurance policy generally includes two types of coverage:
- Building Coverage:
Covers structural damage to your home, including:
- Foundation and support systems
- Electrical and plumbing
- HVAC systems
- Built-in appliances and cabinetry
- Contents Coverage:
Covers personal belongings, such as:
- Furniture
- Electronics
- Clothing
- Appliances not built into the structure
Note: Coverage does not include water damage from a roof leak or a backed-up drain unless the backup was directly caused by a flood.
Why It Matters During Hurricane Season
Even if you’re not in a designated high-risk flood zone, heavy rainfall from hurricanes can cause widespread damage. In fact, more than 20% of flood claims come from low- or moderate-risk areas. A single inch of water can cause over $25,000 in damages to your home.
Filing a claim can be overwhelming—especially when you’re dealing with displacement or property loss. That’s why having a policy in place, backed by a local agency like Van Dyke Rankin, is essential for peace of mind.
When Should You Buy Flood Insurance?
Flood insurance policies usually take 30 days to go into effect, so you can’t wait until a storm is forecasted. Now is the time to evaluate your risk and fill your insurance gaps before your home is in the storm’s path.
How to File a Flood Insurance Claim
Should your home experience flood damage, follow these key steps:
- Document the damage: Take photos or videos as soon as it’s safe to return.
- Notify your insurer: Contact Van Dyke Rankin so we can begin the claims process right away.
- Meet with the adjuster: We’ll help coordinate with your flood insurance adjuster and ensure your paperwork is complete and accurate.
We’re here to advocate for you—every step of the way.
Why Choose Van Dyke Rankin for Flood Insurance?
At Van Dyke Rankin, we don’t just sell policies—we protect livelihoods. Our local team understands the unique risks of hurricane season in Bryan, College Station, and the surrounding Gulf Coast counties. We’ll walk you through:
- Understanding FEMA flood zones
- Comparing NFIP vs. private flood policies
- Ensuring your policy meets your home’s needs—not just a checklist
- Navigating the claims process when it matters most
We also offer free, no-obligation quotes so you can make an informed decision with zero pressure.
Don’t Wait for the Rain. Prepare Today.
Flooding can happen with little warning. The time to prepare is now—not when a storm is on the radar. Let the team at Van Dyke Rankin help you safeguard your home, your belongings, and your peace of mind.
Request a free flood insurance quote today!
About Van Dyke Rankin & Company
Van Dyke Rankin & Company is a trusted commercial real estate firm serving Bryan, College Station, and the greater Brazos Valley region. With decades of experience and deep roots in the local community, our team specializes in commercial brokerage, property management, and investment real estate. Our client-first approach and commitment to integrity have made us a leader in Southeast Central Texas commercial real estate. Learn more at vandykerankin.com.
