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Flooding in Galveston: WHAT YOU NEED TO KNOW
Living on Galveston Island means enjoying beaches, historic neighborhoods, and Gulf Coast charm, but it also means facing one of the highest flood risks in the state of Texas. With its barrier island topography, low-lying elevation, and direct exposure to the Gulf of Mexico, Galveston is exceptionally prone to storm surges, hurricanes, tropical storms, and tidal flooding.
Galveston has been designated a high-risk flood community by FEMA, and history bears this out. Starting with the historic 1900 hurricane and continuing through more recent events, including Ike in 2008, flooding has been a persistent menace. Even heavier rain, topped with high tide, can inundate storm drains and force water into streets and homes.
Data from FEMA indicates that just one inch of water can cause as much as $25,000 worth of damage, and homeowners' insurance usually does not cover it. That's why private flood insurance in Galveston, TX, offers vital coverage for homeowners and businesses
Flood Zones in Galveston
Most of Galveston Island is mapped by FEMA as a Special Flood Hazard Area (SFHA), which means properties fall in high-risk zones such as Zone AE and Zone VE:
Living on Galveston Island means enjoying beaches, historic neighborhoods, and Gulf Coast charm, but it also means facing one of the highest flood risks in the state of Texas. With its barrier island topography, low-lying elevation, and direct exposure to the Gulf of Mexico, Galveston is exceptionally prone to storm surges, hurricanes, tropical storms, and tidal flooding.
Galveston has been designated a high-risk flood community by FEMA, and history bears this out. Starting with the historic 1900 hurricane and continuing through more recent events, including Ike in 2008, flooding has been a persistent menace. Even heavier rain, topped with high tide, can inundate storm drains and force water into streets and homes.
Data from FEMA indicates that just one inch of water can cause as much as $25,000 worth of damage, and homeowners' insurance usually does not cover it. That's why private flood insurance in Galveston, TX, offers vital coverage for homeowners and businesses
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When is flood season in Galveston
Hurricane season, which runs from June through November, is the peak flood season in Galveston. This is when tropical storms and hurricanes bring heavy rain, strong winds, and storm surge. However, tidal flooding and heavy spring rains (March–May) can also trigger localized flooding, especially in low-lying parts of the island. In truth, however, Galveston’s flood risk is year-round. That’s why having continuous private flood insurance is the most innovative way to protect your property and finances.
Common causes of flooding in Galveston
Galveston's location leaves it particularly vulnerable to several causes of flooding:
Hurricane storm surge – Gulf water surges onto the island, flooding entire subdivisions.
Tropical storm rainfall – heavy rains overwhelm drainage infrastructure.
Tidal flooding – high tides, occasionally with wind assistance, force water into streets.
Bay and canal flooding – homes along Galveston Bay and canal subdivisions experience constant backflow flooding.
City flooding – heavy rainfall in built-up areas causes puddles to form rapidly, particularly in older developments.
Even newly constructed properties built to code can flood, which is why flood insurance in Galveston, TX, is crucial.
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Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
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