🌊
NFIP & Private Flood Options
Flood Insurance
The most important policy on the Texas Gulf Coast.
Standard home insurance doesn’t cover flooding — and on the Texas Gulf Coast, flooding is the most common and costly disaster families face. Dolphin offers both federal NFIP and private flood insurance so you can choose the right level of protection.
Building Coverage
Covers the physical structure of your home, foundation, electrical, plumbing, HVAC, and built-in appliances.
Basement Coverage
NFIP covers certain items in basements; private flood policies often extend broader coverage underground.
Replacement Cost Value
Private flood policies can pay the full cost to replace damaged items without depreciation deductions.
Contents Coverage
Protects furniture, clothing, electronics, and valuables damaged by floodwater inside your home.
Loss of Use
Private flood policies may cover additional living expenses when flooding displaces your family.
Excess Flood Coverage
Additional limits above NFIP’s $250K building cap for higher-value properties in flood-prone areas.
NFIP Authorized Agent
We’re authorized to write National Flood Insurance Program policies backed by the federal government.
Private Flood Options
Private carriers often offer faster claims, higher limits, and broader coverage than NFIP alone.
Flood Zone Experts
We know San Patricio, Aransas, and Nueces County flood maps and help you understand your real risk.
Do I need flood insurance if I’m not in a high-risk zone?
Yes — over 25% of flood claims come from moderate-to-low risk zones. Flooding can happen anywhere in coastal Texas.
How long does it take for flood insurance to go into effect?
NFIP policies have a 30-day waiting period. Private flood policies can take effect in as few as 10 days.
What’s the difference between NFIP and private flood?
NFIP is federally backed with standardized coverage up to $250K. Private policies offer higher limits, broader coverage, and often faster claims.
Our Aransas Pass team is available Monday–Saturday, 9am–5pm.
After-hours emergency claims support is available 24/7.