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Tropical Storm Bertha Threatens Heavy Rain and Flooding Along the Gulf Coast

July 2026

As Tropical Storm Bertha moves westward across the Gulf, residents from Louisiana to the Texas Coast should prepare for the possibility of heavy rainfall, flash flooding, gusty thunderstorms, and dangerous marine conditions.

Forecasters expect the storm to strengthen somewhat while it remains over the warm Gulf waters. Although Bertha is forecast to make its initial landfall in Louisiana, weather systems of this nature often produce flooding well away from the center of the storm. Depending on its track after landfall, parts of Southeast and Upper Texas could also experience periods of heavy rain and localized flooding.

Flooding Is Often the Greatest Threat
While high winds often receive the most attention, flooding is historically the leading cause of storm-related property damage. Even tropical storms can produce several inches of rainfall in a short period, overwhelming streets, drainage systems, creeks, and low-lying areas.

Remember:
• Never drive through flooded roadways.
• Just 12 inches of moving water can carry away many vehicles.
• Follow the National Weather Service’s life-saving reminder:

“Turn Around, Don’t Drown®. “Monitor forecasts from the National Hurricane Center and your local National Weather Service office for updated watches, warnings, and evacuation information.

Is It Too Late to Buy Flood Insurance?
Unfortunately, yes—for this storm.

Most National Flood Insurance Program (NFIP) policies include a 30-day waiting period before coverage becomes effective. Some of our private flood insurance policies offer shorter waiting periods, but once a storm is approaching or imminent, new flood insurance generally cannot be purchased to cover that specific event.

This is why flood insurance should be purchased before hurricane season or before severe weather threatens your area.

Will Your Homeowners Insurance Cover Flood Damage?
One of the biggest misconceptions among homeowners is believing that their homeowners insurance covers flooding.

It typically does not.

Damage caused by rising water, overflowing rivers, storm surge, or flash flooding generally requires a separate flood insurance policy.
Whether you live on the coast, near a creek, or in an area that has experienced heavy rainfall, flood insurance may be worth considering. In fact, many flood claims occur outside of FEMA-designated high-risk flood zones.

Be Prepared for the Next Storm
While it may be too late to obtain flood insurance for Tropical Storm Bertha, there will inevitably be future storms. Taking time now to review your insurance coverage can help protect your home, belongings, and financial future before the next weather event develops.
If you have questions about flood insurance, homeowners insurance, windstorm coverage, or hurricane preparedness, our team is happy to help.

Ed Cantu
Ed Cantu Insurance Agency
Protecting Texas Families Since 1985
📞 Corpus Christi: (361) 991-1493
📞 Rio Grande Valley: (956) 359-4000
🌐 EdCantuInsurance.com

Fourth of July Safety Tips for Texas Families: Fireworks, Beach, Heat & Grilling Safety

 

The Fourth of July is one of my favorite holidays.
It’s a time to celebrate America’s independence, spend time with family and friends, fire up the grill, head to the beach, and enjoy spectacular fireworks displays.
As we celebrate the freedoms that generations of Americans have fought to preserve, let’s also remember that one accident can change a family’s life forever. A little preparation goes a long way toward keeping your loved ones safe.
At Ed Cantu Insurance Agency & Financial Services, we’ve spent more than 41 years helping Texas families protect what matters most. While we hope you never experience a loss, we also believe prevention is the best protection.
Here are a few important Fourth of July safety reminders.

Fireworks Safety Tips
Fireworks are responsible for thousands of emergency room visits and hundreds of fires across the United States every year. The safest way to enjoy them is by attending a professional fireworks show.
If you choose to use consumer fireworks where they are legal:
• Never allow young children to handle fireworks.
• Carefully read and follow all package directions.
• Keep a bucket of water or garden hose nearby.
• Wear eye protection.
• Light only one firework at a time.
• Never relight a firework that doesn’t ignite.
• Never point fireworks toward people, pets, vehicles, homes, or dry grass.
• Store fireworks in a cool, dry location away from children.
Local Reminder: Personal fireworks are prohibited within Corpus Christi city limits and many surrounding cities. Always check local ordinances before purchasing or using fireworks.

Backyard Grilling Safety
Nothing says summer like hamburgers and barbecue.
Unfortunately, grilling accidents cause thousands of fires every year.
Before lighting your grill:
• Never leave a grill unattended.
• Keep grills outdoors and away from your home.
• Stay at least 10 feet away from siding, fences, decks, and tree branches.
• Keep children and pets at a safe distance.
• Use long-handled grilling utensils.
• Never add lighter fluid to already burning charcoal.
• Regularly inspect propane hoses for leaks.
• Follow the manufacturer’s operating instructions.
A few minutes of caution can prevent a devastating house fire.

Texas Beach Safety
Many Coastal Bend families will spend the holiday at North Padre Island, Mustang Island, Port Aransas, or one of our beautiful Gulf Coast beaches.
Enjoy the water safely by remembering to:
• Swim near lifeguards whenever possible.
• Never swim alone.
• Never swim after drinking alcohol.
• Watch children constantly—even in shallow water.
• Wear Coast Guard-approved life jackets while boating.
• Pay attention to beach warning flags and weather alerts.
Know How to Escape a Rip Current
Rip currents are among the leading causes of beach rescues along the Texas Gulf Coast.
If caught in one:
• Stay calm.
• Don’t fight the current.
• Swim parallel to the shoreline until you’re out of the current.
• Then swim diagonally back toward shore.
• If you become tired, float and wave for help.
Never swim near jetties or piers where rip currents commonly form.

Prevent Heat Exhaustion and Heat Stroke
South Texas summers are beautiful—but they can also be dangerous.
Protect yourself by:
• Drinking plenty of water throughout the day.
• Wearing lightweight, light-colored clothing.
• Applying SPF 30+ sunscreen regularly.
• Wearing sunglasses with UV protection.
• Taking breaks in the shade or air conditioning.
• Avoiding strenuous outdoor activities during the hottest part of the day.
Signs of Heat Stroke
Call 911 immediately if someone experiences:
• Confusion
• Loss of consciousness
• Hot, dry skin
• Rapid heartbeat
• Rapid breathing
Move them into shade and begin cooling them with cool water while waiting for emergency responders.

Boating Safety
If your Fourth of July plans include the Laguna Madre, Corpus Christi Bay, Baffin Bay, or offshore waters:
• Everyone should have access to a properly fitted life jacket.
• Designate a sober boat operator.
• Check the weather forecast before leaving the dock.
• File a float plan with someone on shore.
• Carry emergency communication equipment.
Many boating accidents are completely preventable.

Driving Safety
The Fourth of July is consistently one of the busiest travel weekends of the year.
Help keep our roads safe:
• Never drink and drive.
• Eliminate distractions while driving.
• Slow down in neighborhoods where children may be playing.
• Buckle every passenger.
• Allow extra travel time to avoid rushing.
One safe decision could save a life.

Be Prepared Before an Emergency Happens
One of the best free resources available is the American Red Cross First Aid App, available for both Apple and Android devices. Having emergency information available on your phone can make a real difference when every second counts.

Celebrating the American Spirit
The Fourth of July is much more than fireworks.
It is a celebration of freedom, opportunity, and the countless men and women who have defended our country for nearly 250 years.
As we gather with family and friends, let’s remember how blessed we are to live in the United States of America. Take a moment to appreciate our freedoms, fly the American flag proudly, and thank a veteran or active-duty service member for their sacrifice.
From my family to yours, I wish you a safe, joyful, and memorable Independence Day.
May God continue to bless your family, the great State of Texas, and the United States of America.

Happy Fourth of July!
Ed Cantu
Owner
Ed Cantu Insurance Agency & Financial Services
Protecting Fellow Texans Since 1985

About Ed Cantu Insurance Agency & Financial Services
For more than four decades, Ed Cantu Insurance Agency has helped Texas families protect their homes, automobiles, businesses, flood exposure, life insurance needs, and financial future. Based in Corpus Christi, we proudly serve clients throughout Texas with personalized service and experienced insurance advice.
Need an insurance review?
📞 Call: (361) 991-3575
🌐 Visit: https://www.edcantuinsurance.com
“Helping You Protect What Matters Most.”

 

 

The 7 Things Every Texas Coastal Family Should Do Before a Hurricane Threatens You and Your Home!

As a fifth-generation Corpus Christian whose family survived the Great Hurricane of 1919, I’ve learned that preparation isn’t optional—it’s essential. Hurricanes don’t care how long you’ve lived here, how much your home is worth, or whether experts predict a quiet season. It only takes one storm to change your life forever.

Whether you’re a longtime Coastal Bend resident or a new homeowner enjoying life in South Texas, the time to prepare is NOW. Don’t wait until a hurricane is approaching the Texas coast and store shelves are empty. Gather your family, create a plan, and take action while you still have time.

Here are seven critical steps every coastal family should take today to protect their safety, property, and financial future before the next storm threatens our community.

1. Develop a Family Emergency Plan

    • What size Storm will cause you to evacuate? Category 1-5?
    • Where will you go if we evacuate? What Route will you take?
    • Who are you taking? (Don’t forget your pets!)
    • Who are you contacting to share your plan?
    • What if your cell phones don’t work?

2. Build a Hurricane Emergency Kit

Recommended Items

    • 3-7 day supply of water
    • Non-perishable food (Canned Meats, Peanut Butter, Protein Bars, Crackers, Dried Fruit, Baby Food, Pet Food)
    • Prescription medications
    • First aid kit
    • Flashlights
    • Batteries
    • Portable chargers
    • Cash (ATM and Credit Cards may not work)

3. Protect Important Documents

    • Insurance policies
    • Driver licenses
    • Passports
    • Birth certificates
    • Social Security cards
    • Property deeds

4. Prepare Your Home Before The Storm

    • Trim trees
    • Clean gutters
    • Secure loose items
    • If you don’t have hurricane shutters, board up your windows and doors
    • Check generators
    • Fuel your vehicles

5. Understand Flood Risk 

Many Hurricane Harvey claims occurred outside traditional high-risk flood zones. It doesn’t have to be a hurricane to flood your home.

6. Review Home’s Insurance Coverage NOW

Homeowners Insurance

    • Replacement cost: Do you have enough coverage to rebuild your home?
    • Inflation: It costs more to build a home than it did 10 years ago. In fact, it costs more than a home built and finished yesterday. Especially with the added demand on labor and materials after the storm when thousands of homes are being rebuilt at the same time.
    • Reconstruction costs is not the same as market value.

Windstorm Coverage

    • Deductibles: Most of us carry high deductibles to save money. Is it worth paying extra premium during hurricane season to reduce your exposure with a lower deductible?  This may or may not be an option mid term.
    • Understand Your Exclusions

Flood Insurance

    • A Separate policy with the National Flood Insurance Program or a Private carrier is needed because Home and Windstorm Insurance Excludes Flooding.
    • Waiting periods (some up to a 30 day wait)

The worst time to discover a coverage gap is after the storm.

7. Create a Home Inventory

We Suggest you Walk through your home with a smartphone and Video:

    • Furniture
    • Appliances
    • Electronics
    • Jewelry
    • Collectibles

“A 10-minute video today could save weeks of frustration and thousands of dollars after a loss.”

Bonus Things to Remember

Generator Safety

Many deaths occur from:

    • Carbon monoxide poisoning

Never operate generators:

    • Inside garages
    • Near windows

Pet Planning

    • Food
    • Carriers
    • Vaccination records

Choose an evacuation place that allows your pets!


Elderly Family Members

    • Do they need medications?
    • Oxygen?
    • Transportation?

Fuel

Don’t wait.

If a storm is coming, assume that gas stations will have long lines or may be closed.

Whether NOAA predicts an active season or not, it only takes one storm to change your life. “Remember that Hurricanes don’t read forecasts.”

The best time to prepare is now—not after a storm forms in the Gulf “Hope is not a hurricane plan. Preparation is.”

Take Action Today

As a Hurricane and Flood Insurance Specialist serving Texas families since 1985, I strongly encourage you to take a few minutes today to review your protection and preparedness plan.

Don’t let a “below-average” forecast create a false sense of security.

The most dangerous hurricane season is the one where people assume they don’t need to prepare.

📞 Call Ed Cantu Insurance Agency today at (361) 991-3575 for a complimentary Home, Windstorm, and Flood Insurance Review.

We’ll help you identify potential coverage gaps, review rebuilding values, and make sure you’re prepared before the next storm forms in the Gulf.

Because We Care,

Ed Cantu
Ed Cantu Insurance Agency
Hurricane & Flood Insurance Specialists

Helping Texans Protect What Matters Most Since 1985