Epiphany Insurance Agency
601 E Jackson St, El Campo, TX 77437
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El Campo households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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601 E Jackson St, El Campo, TX 77437
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601 E Jackson St, El Campo, TX 77437
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601 E. Jackson, El Campo, TX 77437
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912 N Mechanic St, Suite A, El Campo, TX 77437
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102 N Washington St, El Campo, TX 77437
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Learn about insurance coverage options specific to El Campo residents.
Yes, if you want complete protection. Standard homeowners insurance in Wharton County typically excludes wind/hail damage and never covers flooding. You need windstorm insurance for hurricane wind damage and a separate flood policy for water damage. Many El Campo homeowners with mortgages are required by their lenders to carry all three policies given the area's risk profile.
For complete protection, expect to pay $5,000-$7,000 annually combining all three policies. Basic homeowners insurance averages around $2,000/year in Wharton County, windstorm coverage runs $1,600-$2,480/year, and flood insurance averages $779/year though your specific costs depend on your home's value, age, construction, and flood zone.
You cannot purchase windstorm insurance once a hurricane enters the Gulf of Mexico—insurers stop writing new policies immediately. If a storm damages your home and you lack windstorm coverage, you'll pay for all wind damage out of pocket, which could mean tens or hundreds of thousands of dollars. This is why securing coverage before hurricane season is critical.
Unlike regular deductibles that are flat dollar amounts, hurricane deductibles are typically 1-5% of your home's insured value. On a $250,000 home with a 2% hurricane deductible, you'd pay the first $5,000 of storm damage before insurance covers the rest. Lower percentage deductibles mean higher premiums but less out-of-pocket cost when you file a claim.
If your home is in a high-risk flood zone and you have a federally backed mortgage, yes—your lender will require it. Even if it's not required, flood insurance is worth considering given El Campo's exposure to heavy rainfall from thunderstorms and tropical systems. Flood insurance has a 30-day waiting period, so buy it well before you need it.
The Texas Windstorm Insurance Association (TWIA) is the insurer of last resort for coastal areas, providing windstorm coverage when private insurers won't. TWIA policies averaged $2,480/year in 2025. Private insurers sometimes offer competitive rates ($1,600-$2,400) with more flexible coverage options, so it's worth comparing both when shopping for windstorm insurance.
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