Navigating Flood Season and Spring Storms: Essential Tips for Liberty County Residents

Flood season and spring storms are annual occurrences that can pose significant risks to homeowners in Liberty County, TX. These natural events can lead to extensive property damage and create hazardous conditions. At Skarpa Insurance Agency, we are committed to helping our community prepare for and respond to these challenges. As a Trusted Choice Independent Agency, we offer customized insurance solutions to meet your unique needs.


Understanding Flood Season and Spring Storms


Flood season typically coincides with spring, when melting snow and heavy rainfall can cause rivers and streams to overflow. Additionally, spring storms can bring high winds, hail, and tornadoes, further increasing the risk of damage to your property. Understanding these risks and taking proactive measures can help you protect your home and family.


Preparing for Flood Season


Know Your Flood Risk:

  • Determine if your property is located in a flood-prone area by consulting FEMA flood maps or contacting local authorities.
  • Understand the different types of flooding that can occur, such as riverine flooding, flash flooding, and urban flooding.


Purchase Flood Insurance:

  • Standard homeowners insurance typically does not cover flood damage, so it’s essential to have a separate flood insurance policy.
  • Contact Skarpa Insurance Agency to discuss your flood insurance options and ensure you have adequate coverage.


Create a Flood Emergency Plan:

  • Develop a plan that includes evacuation routes, a safe meeting place, and an emergency kit with essentials such as water, food, medications, and important documents.
  • Ensure all family members know the plan and practice it regularly.


Protect Your Property:

  • Elevate utilities such as water heaters, furnaces, and electrical panels to reduce the risk of flood damage.
  • Install sump pumps with battery backup systems to help keep your basement dry.
  • Use water-resistant building materials and seal basement walls to prevent water infiltration.


Preparing for Spring Storms


Inspect and Maintain Your Home:

  • Conduct regular inspections of your roof, windows, doors, and siding to identify and repair any vulnerabilities.
  • Trim trees and remove dead branches to reduce the risk of damage from falling limbs.


Secure Outdoor Items:

  • Bring patio furniture, grills, and other outdoor items indoors during severe weather to prevent them from becoming projectiles.
  • Anchor larger items that cannot be brought inside, such as sheds and playsets.


Install Storm Protection:

  • Consider installing storm shutters or impact-resistant windows to protect against high winds and flying debris.
  • Reinforce your garage door to prevent it from being blown in during strong winds.


Stay Informed:

  • Monitor weather reports and sign up for local alerts to receive timely updates about severe weather conditions.
  • Have a battery-powered weather radio on hand in case of power outages.


During the Storm


Stay Indoors and Safe:

  • Avoid going outside during the storm, even if it appears calm.
  • Stay away from windows and doors to avoid injury from flying debris or broken glass.


Use Battery-Powered Devices:

  • Keep flashlights and battery-powered radios handy to stay informed if the power goes out.
  • Avoid using candles, as they pose a fire risk.


Keep Communication Open:

  • Ensure your cell phone is fully charged before the storm and have a backup battery or charger available.
  • Inform family and friends of your location and safety status regularly.


After the Storm


Assess Damage Safely:

  • Wait for official clearance before venturing outside to assess damage.
  • Be cautious of downed power lines, flooding, and other hazards.


Document Damage:

  • Take photos and videos of any damage to your property for insurance purposes.
  • Contact your insurance provider to report the damage and initiate the claims process.


Prioritize Repairs:

  • Address immediate hazards first, such as broken windows or roof leaks.
  • Work with reputable contractors to make necessary repairs and avoid scams from fraudulent service providers.


Flood season and spring storms can pose significant risks to homeowners in Liberty County. However, with proper preparation and the right insurance coverage, you can protect your home and family from the devastating effects of these natural events. At Skarpa Insurance Agency, we are here to help you navigate the complexities of flood and storm preparedness and ensure you have the coverage you need. Contact us today to review your insurance policies and make sure you are ready for whatever the season may bring.