As the calendar turns to summer, Texans are reminded that hurricane season is officially here—from June 1 through November 30. While many associate hurricanes with the Gulf Coast, the impacts can extend far inland, bringing heavy rains, high winds, flooding, and power outages. For homeowners in Texas, preparation is the best defense against the chaos a storm can cause.
Here are the top concerns every Texas homeowner should tackle to stay safe and avoid unnecessary stress during hurricane season:
1. Review and Update Your Home Insurance Policy
One of the biggest mistakes homeowners make is assuming they’re covered—only to find out too late that flood damage or wind damage isn’t included in their standard homeowners policy.
Action Items:
- Check your current policy for windstorm and hail coverage.
- Purchase separate flood insurance through the National Flood Insurance Program (NFIP) if you’re in a flood-prone area.
- Ensure your policy limits reflect the current value of your home and belongings.
2. Protect Your Roof and Windows
Your roof is your home’s first line of defense against wind and rain, and broken windows can allow water and debris inside, causing extensive damage.
Action Items:
- Inspect your roof for missing shingles or weak spots.
- Install or secure hurricane shutters or plywood to protect windows.
- Consider upgrading to impact-resistant windows or installing storm straps on your roof if you live in a high-risk area.
3. Clean Gutters and Trim Trees
Clogged gutters can cause water to back up and damage your home, while overhanging branches can become dangerous projectiles in high winds.
Action Items:
- Clean all gutters and downspouts to ensure proper drainage.
- Trim dead or low-hanging limbs from trees near your home.
- Secure outdoor furniture, garden tools, and decorations.
4. Prepare for Power Outages
Extended outages are common after hurricanes. Having a plan in place will keep your household running more smoothly.
Action Items:
- Invest in a portable or whole-home generator.
- Stock up on flashlights, batteries, and non-perishable food.
- Keep your cell phones and backup battery packs fully charged before a storm hits.
5. Secure Important Documents and Emergency Supplies
In an emergency, you’ll need quick access to your insurance papers, IDs, and medical records.
Action Items:
- Store physical documents in a waterproof/fireproof container.
- Back up digital files to a cloud service.
- Prepare a “go bag” with essentials like water, medications, cash, and a first-aid kit in case of evacuation.
6. Understand Your Evacuation Zone and Plan Ahead
Not all areas will be told to evacuate, but knowing your zone helps you prepare accordingly.
Action Items:
- Learn your evacuation zone and follow local alerts.
- Have a predetermined evacuation plan, including where you’ll go and how you’ll get there.
- Make arrangements for pets and elderly family members if needed.
7. Document Your Home and Valuables
Photos and videos of your home and possessions can speed up the insurance claims process dramatically.
Action Items:
- Take time-stamped photos or videos of each room, including electronics, furniture, and valuable items.
- Keep a digital and physical inventory list of major belongings.
Final Thoughts
Preparing for hurricane season in Texas may feel overwhelming, but proactive planning can save you time, money, and serious stress. Don’t wait until a storm is in the forecast to get your home in order—start now and enjoy peace of mind knowing you’ve taken the right steps to protect what matters most.
Stay safe, stay informed, and remember: a little preparation goes a long way when the wind starts to blow.