Arlene Lollie & Associates LLC
4220 Cartwright Rd, Ste 403, Missouri City, TX 77459
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4220 Cartwright Rd, Ste 403, Missouri City, TX 77459
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6144 Sienna Ranch Rd, Missouri City, TX 77459
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4606 Riverstone Blvd, Missouri City, TX 77459
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Learn about insurance coverage options specific to Missouri City residents.
Missouri City homeowners face flood risk from Gulf storms. Learn about hurricane deductibles, flood insurance costs, and why Harvey proved coverage is essential.
Complete insurance guide for Missouri City residents. Learn about Fort Bend County's high rates, flood zones, and how to protect your home and car.
Car InsuranceMissouri City auto insurance averages $1,086/year. Learn Texas's 30/60/25 requirements, coverage options, and how Houston traffic affects your rates.
Yes, you should strongly consider it. More than 40% of flood insurance claims come from properties outside designated high-risk zones, and over 14,000 Missouri City properties face severe flood risk in the next 30 years. Hurricane Harvey demonstrated that intense rainfall can flood areas that aren't in traditional floodplains. Flood insurance in moderate- or low-risk zones is relatively affordable, typically $400-$800 annually, and provides crucial protection that your standard homeowners policy doesn't include.
Your regular homeowners deductible is usually a flat dollar amount like $1,000 or $2,500, applied to claims from events like theft or fire. Your hurricane deductible is percentage-based, typically 2-5% of your dwelling coverage amount. For a $300,000 home with a 2% hurricane deductible, you'd pay the first $6,000 out of pocket for hurricane damage. This percentage-based deductible only applies when a storm is officially declared a hurricane by the National Weather Service.
Missouri City homeowners typically pay around $1,458 annually for standard home insurance, which is significantly lower than the Texas state average of $4,585. However, this base policy doesn't include flood coverage. When you add flood insurance at an average of $634 per year through NFIP, your total annual cost for comprehensive protection is approximately $2,092, still well below what coastal homeowners pay but higher than the base policy alone.
No, that won't work due to the 30-day waiting period. Flood insurance policies typically don't take effect until 30 days after purchase, which prevents people from buying coverage only when a storm is approaching. You need to purchase flood insurance during calm periods, well before any tropical systems threaten the Gulf Coast. This waiting period applies to most NFIP policies, so plan ahead and don't wait until June when hurricane season officially begins.
As of April 2025, residents living in Fort Bend County Levee Improvement District No. 2 can receive up to a 20% discount on flood insurance policies issued through the National Flood Insurance Program (NFIP). To find out if your property qualifies, check with your insurance agent or contact FBCLID No. 2 directly. This discount can save you hundreds of dollars annually on your flood insurance premium.
No, standard homeowners insurance does not cover flooding from storms like Hurricane Harvey. Your policy covers wind damage—like torn-off shingles or broken windows—but rising water from heavy rainfall, storm surge, or overflowing creeks is specifically excluded. You need a separate flood insurance policy to cover this type of damage. This is why so many Fort Bend County homeowners faced devastating out-of-pocket costs after Harvey if they didn't have flood coverage.
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