New and old homes in the 5100 block of Jackwood in the Meyerland area are shown Aug. 19, 2022 in Houston. The neighborhood has flooded several times in the past few years, including in the aftermath of Hurricane Harvey, prompting many residents to raise their homes several feet from ground level.

James and Julia Long in front of their raised Meyerland home Friday, Aug. 19, 2022 in Houston. Their house flooded three years in a row (2015, 2016 and 2017) and rather than move they decided to elevate their home several feet off of the ground.

Empty streets greet visitors to the Arbor Oaks neighborhood in Houston where homeowners were offered buyouts after floods.

The most important thing to know about hurricane insurance is that there is no such thing as hurricane insurance.

Financial protection from hurricanes requires a mix of risk-mitigation products, depending on where you live or work. With hurricane season here, you must double-check your insurance before it’s too late.

Texas law does not require property owners to be insured against hurricanes, floods or other types of storm damage. Mortgage companies require coverage to offset their risk, and so should you, even if you’ve paid off your home or business.

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Most property insurance covers storm damage from wind, hail and blowing debris. But basic policies exclude windstorm coverage if you live in a coastal area. Most companies require a separate, more expensive........

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