Short answer: Nueces County's FEMA National Risk Index report ranks hazards for Corpus Christi tracts. Drivers need at least 30/60/25.
This guide is general information for homeowners and drivers in the Corpus Christi area (Nueces County). It isn't legal advice or a coverage determination. Your policy wording, underwriting, city and county ordinances, and state insurance and motor-vehicle rules control. Check your address on FEMA's National Risk Index (county report for Nueces County) and the Flood Map Service Center.
Local hazards: FEMA National Risk Index for Nueces County
See FEMA's National Risk Index and the Nueces County report.
Lessons from Harvey
The National Weather Service in Corpus Christi says Harvey, on August 25, 2017, was the first major hurricane to hit the Middle Texas Coast since Celia in 1970. The eye came ashore about 30 miles northeast of the city, near Rockport and Fulton. Corpus Christi still had trees, fences and power poles down, the airport logged a 63 mph gust before going offline, and storm tides reached 3 to 6 feet at Bob Hall Pier. Check your windstorm deductible and certificate before the season starts.
More for Corpus Christi policyholders
Nueces is one of the 14 first-tier counties where TWIA is the wind-and-hail insurer of last resort.
Windstorm certificates (WPI-8 and WPI-8-E)
Per TWIA's windstorm certification page and TDI's windstorm program, new construction, additions and re-roofs in the catastrophe area must be built and inspected to TDI's windstorm code to qualify. TDI issues a WPI-8 for work inspected during construction and a WPI-8-E for completed work; look up a property's certificates on TDI's windstorm site before you buy. TWIA notes that some uncertified 1988–2009 homes may still qualify with a surcharge.
Auto: 30/60/25
TDI lists the 30/60/25 minimum; TxDMV checks insurance at registration.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Texas.
Frequently asked questions
Can Corpus Christi homes get TWIA coverage?
Yes, Nueces County is in the designated catastrophe area; the structure usually needs a TDI certificate of compliance.
What is a WPI-8?
TDI's certificate that construction was inspected to windstorm code; WPI-8-E is the completed-construction version.
Does TWIA cover flood?
No. Flood needs its own policy.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.