🌊 When Nature Calls Their Bluff:
$1.1 Billion in Texas Flood Damage, $135 Million in Coverage—You Do the Math
Mother Nature doesn’t care about your fine print. Over July 4th weekend, Central Texas got hammered by what experts call a 1,000-year flood event, and it exposed the insurance industry for what it really is.
The damage? $1.1 billion to homes across the region.
The payout? A measly $135 million through the National Flood Insurance Program (NFIP).
Do the math; that’s 12 cents on the dollar. The other 88%? Left squarely on the backs of homeowners who thought they were protected.
Coverage Designed to Fail
This isn’t an accident. It’s a system engineered to abandon you when the water rises. In hard-hit Kerr County, only 467 NFIP policies existed as of May 2025—,covering less than 2% of the homes. Why so few? Because the industry and its maps convince people they’re “safe.” They sell you “comprehensive” coverage, then bury exclusions in the fine print that leave you high and dry, literally.
Cotality’s analysis says it all: flood zone maps mark the limit of data and budget, not the limits of water. Extreme weather doesn’t read FEMA maps, yet insurers use these outdated boundaries to dodge responsibility.
Aging Levees, Rising Risks, and Corporate Denial
Over 23 million Americans live behind levees averaging 60 years old. Infrastructure protecting $2 trillion in property. These systems were built for a different climate, yet insurers act like they’ll hold forever. They collect your premiums year after year, while quietly ensuring your coverage won’t protect you when failure comes.
The Bottom Line
This flood proved what INSSUX has been shouting: insurance companies have weaponized complexity to avoid paying claims. They’ve perfected the art of exclusions, all while you foot the bill. They’re not protecting you, they’re protecting their profits from you.
It’s time to wake up, ask the hard questions, and stop trusting policies that vanish the second you need them most.
Think your insurance company’s playing fair? Prove it. Take the Rip Off Quiz now.
#makethempay #inssux #JackHapsburg #texasfloods