Today marks the official beginning of Hurricane Season. The experts at NOAA are predicting a below-average hurricane season this year. That’s good news.
But before you breathe a sigh of relief, remember one critical fact:
Hurricanes Don’t Read Forecasts.
And it only takes ONE storm to change your life forever. One storm can flood your home. One storm can destroy everything you’ve worked years to build. One storm can leave your family without power, shelter, transportation, or the financial resources needed to recover.
The question isn’t whether NOAA predicts a busy season or a quiet one.
The question is:
If a hurricane made landfall in South Texas tomorrow, would your family be prepared?
History Has Taught Us a Powerful Lesson
The accompanying photo shows the devastation left behind by Hurricane Celia in 1970.
Many longtime Coastal Bend residents still remember the destruction. Homes were destroyed. Businesses were shattered. Families spent months—and in some cases years—recovering.
More recently, Hurricanes Harvey and Hanna reminded Texans that floodwaters, storm surge, wind damage, and prolonged power outages can happen with little regard for seasonal forecasts.
Mother Nature doesn’t care what the experts predicted.
The Cost of Waiting Can Be Enormous
Every year, we speak with homeowners who planned to “look into flood insurance later.” Some intended to review their coverage “when they had time.” Others assumed they were protected—only to discover after a loss that their policy did not cover flood damage.
By then, it was too late.
Many Flood Insurance policies have waiting periods before coverage becomes effective. Once a storm enters the Gulf of Mexico, insurance companies often suspend new coverage applications or policy changes.
When a hurricane is approaching, your opportunity to prepare may already be gone.
Ask Yourself These Important Questions
- Could I afford to rebuild my home at today’s construction costs?
- Do I know what my hurricane deductible is?
- Do I have flood insurance protection?
- Have I updated my policy to reflect rising property values and improvements?
- Do I have enough coverage to replace my belongings after a major loss?
- Does my family have an evacuation plan?
If you’re unsure about any of these answers, now is the time to act.
Prepare Today—Not When a Storm Is in the Gulf
Every family should have:
✅ A written evacuation plan
✅ Important documents stored safely
✅ Emergency food and water supplies
✅ Prescription medications and first-aid supplies
✅ Flashlights, batteries, and emergency communications
✅ A current insurance review
Most importantly, every homeowner should understand exactly what is—and is not—covered before disaster strikes.
Hope Is Not a Strategy!
We all hope this hurricane season is quiet.
We hope storms stay far offshore.
We hope our homes and families never experience a major loss.
But hope alone will not rebuild your home.
Hope will not replace your belongings.
Hope will not pay for flood damage.
Preparation will.
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 when the next hurricane comes, the time to prepare will have already passed.
Because We Care,
Ed Cantu
Ed Cantu Insurance Agency
Hurricane & Flood Insurance Specialists
Helping Texans Protect What Matters Most Since 1985
