Texans are no strangers to severe weather, from hurricanes and tropical storms to flash flooding, and early preparation can make all the difference when disaster strikes.
How to prepare
Texas ranks first in the U.S. for both the variety and frequency of natural disasters, according to the National Aeronautics and Space Administration. The Federal Emergency Management Agency risk index map rates Harris County as very high risk of natural hazards, with Brazoria, Galveston and Montgomery counties close behind at relatively high risk.
Given these elevated risks, preparing homes and families before disaster strikes is essential to minimizing damage, ensuring safety and speeding up recovery.
One thing homeowners can prepare now is a storm plan and kit.
“Having a storm plan means you’ll know what to do without added stress in the moment,” said Cody Miller, director of government affairs at the Greater Houston Builders Association. “A storm kit should include all the essentials you might need to evacuate quickly or shelter in place, including flashlights, batteries, a first aid kit, potable water and nonperishable food for several days.”
Homeowners should also take preventive steps around the house, clearing gutters and storm drains; trimming tree branches near roofs and power lines; and inspecting roofing, siding and windows for vulnerabilities. It's also wise to consider elevating critical systems such as heating, air conditioning and ventilation units and water heaters, and to review insurance coverage ahead of time.
The importance of having insurance
For homebuyers along the Texas Gulf Coast, insurance isn’t just a safeguard; it’s often a legal or lending requirement.
The primary issue is that a single, standard homeowner's policy is rarely sufficient. A typical policy covers events like fire or theft but doesn’t cover wind or flood damage. That’s why it’s essential to review insurance policies carefully and secure separate windstorm and flood insurance if needed.
“If you live in a coastal county, you’re required to have windstorm insurance in order to get a mortgage, and if you live within a floodplain, you must carry flood insurance,” Miller said.
Windstorm insurance is required for homeowners in Texas coastal counties, including:
- Galveston County
- Brazoria County
- Jefferson County
- Cameron County
- Kenedy County
- Refugio County
Even when not legally required, having comprehensive coverage can be a financial lifesaver. Without it, homeowners may face tens of thousands of dollars in out-of-pocket repair or rebuilding costs after a major storm. Proper insurance protects the investment and can make recovery faster, smoother and less expensive in the long run.
What to do after
Once a storm passes, staying safe and taking swift action are critical. Hazards can linger long after the winds die down, so remain cautious.
Begin recovery by contacting the insurance provider to start the claims process as soon as it’s safe to do so. Document all damage thoroughly by taking clear photos and videos, writing notes and keeping receipts for any temporary repairs or emergency expenses.
Be extremely cautious when hiring contractors for cleanup or repairs. After major storms, dishonest operators often move into affected areas, offering quick fixes or demanding upfront payment without delivering results. Always check references, verify licensing and insurance, and avoid paying in full before work is completed.
“Right after a storm, people are vulnerable, emotional and may not be thinking clearly—and that’s when scammers strike,” Miller said. “In Texas, it’s illegal for a contractor to demand upfront payment if they don’t have a physical office in the county where the work is being done or in a neighboring county. Know your rights, and watch for red flags that may signal a fraudulent contractor.”
Red flags to look for, include:
- Asks for full or large upfront payment
- Door-to-door solicitations
- High-pressure sales
- No written contracts
- Out-of-state contractors
- Special deals or unusually low bids
The GHBA can help by connecting homeowners with trustworthy professionals. Its online member directory offers a range of reliable contractors for everything from repairs to full rebuilds.
To access the GHBA disaster relief page, click here.
To learn more about natural disasters in Texas, become a member or explore resources from the Greater Houston Builders Association, visit www.ghba.org.
The above story was produced by Multi Platform Journalist Chloe Chapel with Community Impact's Storytelling team with information solely provided by the local business as part of their "sponsored content" purchase through our advertising team.
