The Rio Grande Valley is no stranger to flooding. Tropical storms, slow-moving weather systems, and the region's flat terrain combine to create flooding events that affect thousands of homes across Hidalgo, Cameron, and Starr Counties every year. Here's what to do when it happens to you.
Immediate Steps After Storm Flooding
- Don't enter flooded areas until safe — floodwater can contain sewage, chemicals, and electrical hazards
- Shut off electricity to flooded areas at the breaker panel if you can do so safely
- Document everything — photograph and video all flooding and damage before any cleanup
- Call Texas Prime Homes — 24/7 emergency response for water extraction and drying
- Call your insurance company — report the claim as soon as possible
Storm Damage vs. Flood Damage: The Insurance Distinction
This is the most important thing RGV homeowners need to understand:
- Standard homeowner's insurance covers wind-driven rain, roof damage, and water intrusion caused by storm damage to the structure
- Flood insurance (NFIP or private) covers rising water that enters from outside — storm surge, overflowing rivers, and surface flooding
Many RGV homeowners have only standard homeowner's insurance and are surprised to find that rising floodwater isn't covered. Texas Prime Homes helps you identify which type of damage you have and which policy applies.
What Standard Homeowner's Insurance Covers After a Storm
- Roof damage from wind and hail
- Water intrusion through storm-damaged roof, windows, or walls
- Interior damage from wind-driven rain
- Fence and outbuilding damage from wind
- AC unit damage from hail
The Mold Clock Starts Immediately
In the RGV's humid climate, mold begins growing within 24–48 hours of flooding. Professional water extraction and drying equipment is not optional — it's the difference between a manageable restoration and a mold remediation project on top of the flood damage.
Texas Prime Homes Storm Flood Response
We provide 24/7 emergency response for storm flooding across Hidalgo, Cameron, and Starr Counties — water extraction, structural drying, mold prevention, debris removal, and complete interior restoration with full insurance claim coordination.
Call (956) 250-4094 — available 24/7 for storm emergencies.