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Texas Flood Insurance

Port Aransas, TX Flood Insurance: Costs, Coverage & Risk Rating 2.0 in 2025

Port Aransas, TX, is a stunning Gulf Coast destination known for its beaches, fishing, and coastal charm, but living on Mustang Island comes with serious flood risks. Located in a hurricane-prone region and surrounded by water, Port Aransas homes face frequent threats from storm surge, heavy rainfall, and rising sea levels. At The Flood Insurance Guru, we help Texas homeowners protect their properties with flood insurance solutions tailored to coastal risk zones, including areas affected by CBRA restrictions and FEMA’s new Risk Rating 2.0.

Do You Need Flood Insurance in Port Aransas, TX?

If you have a mortgage and your home is in a FEMA-designated high-risk flood zone (A, AE, or VE), flood insurance is required.

✔️ Most homes in Port Aransas are in high-risk flood zones.

✔️ Properties on Mustang Island face higher storm surge risks.

✔️ Hurricane Harvey caused catastrophic flooding across Port Aransas in 2017.

✔️ Homes in CBRA (Coastal Barrier Resources Act) zones are NOT eligible for NFIP coverage.

Port Aransas,

How Much Does Flood Insurance Cost in Port Aransas, TX?

Flood insurance rates depend on flood zone designation, home elevation, and coverage type.

✔️ NFIP Flood Insurance Rates: ~$1,500–$4,500 per year

✔️ Private Flood Insurance Rates: Often 20-50% cheaper than NFIP

How much

Flood Insurance & CBRA Zones in Port Aransas

Certain areas of Mustang Island & San Jose Island are part of CBRA (Coastal Barrier Resources Act) zones, which means they are NOT eligible for NFIP flood insurance.

✔️ If your home is in a CBRA zone, you CANNOT purchase NFIP flood insurance.

✔️ Private flood insurance may be your only option for coverage.

✔️ CBRA zones were established to discourage development in high-risk coastal areas.

At The Flood Insurance Guru, we specialize in navigating CBRA regulations to help you find the right private flood insurance when NFIP isn’t an option.
See If Your Neighborhood is in a High-Risk Flood Zone

Best Flood Insurance Options for Port Aransas, TX Homes

Homeowners in Port Aransas can choose between NFIP and private flood insurance, but CBRA zone restrictions apply.

NFIP (National Flood Insurance Program)

• Max coverage: $250,000 for structure, $100,000 for contents

• Available for most properties outside of CBRA zones

• 30-day waiting period

Private Flood Insurance

• Higher coverage limits available

• Can be cheaper than NFIP for some homes

• Immediate coverage available

• Only option for CBRA zone properties

How Risk Rating 2.0 Has Impacted Flood Insurance in Port Aransas

FEMA’s Risk Rating 2.0 system has led to major flood insurance premium increases across Port Aransas.

What Determines the Cost of Flood Insurance?

✔️ Beachfront homes and rental properties saw the highest increases.

✔️ Homes in flood-prone areas near the ship channel now pay higher rates.

✔️ Elevated homes generally saw smaller rate hikes than those on slabs.
Get a Personalized Flood Insurance Quote Compare NFIP vs. Private Flood Insurance

Port Aransas FEMA Flood Map: Is Your Home in a High-Risk Flood Zone?

Use our interactive FEMA flood map tool to check your flood zone status.

Find out if flood insurance is required and the overall 
flood risk of a property

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What Are the Most Flood-Prone Areas in Port Aransas?

Some parts of Port Aransas are at much higher risk for flooding than others.

✔️ Mustang Island & Beachfront Properties – Storm surge & rising sea levels pose significant risk.

✔️ Old Town Port Aransas – Low elevation leads to frequent street flooding.

✔️ Channel View & Marina Areas – Prone to boat dock & marina flooding.

✔️ CBRA Zone Properties – Homes here have limited insurance options.

NFIP vs. Private Flood Insurance in Port Aransas: Which Should You Choose?

Many homeowners in Port Aransas are switching to private flood insurance for better coverage and lower rates.

NFIP (National Flood Insurance Program)

• Standardized pricing

• 30-day waiting period

Private Flood Insurance

• Higher coverage limits available

• Immediate coverage available

• Required for CBRA zone properties

How to Save Money on Flood Insurance in Port Aransas

Many homeowners in Port Aransas are overpaying for flood insurance—here’s how to lower your costs.

✔️ Get an elevation certificate (if it lowers your base flood elevation).

✔️ Compare NFIP vs. private flood insurance rates.

✔️ Increase your deductible to lower your annual premium.
Get a Free Flood Insurance Quote to See Your Savings

How to Get a Flood Insurance Quote in Port Aransas

Follow these simple steps to secure affordable flood insurance for your home.

Step 1

Check your flood zone using FEMA’s map.

Step 2

Compare NFIP and private insurance rates.

Step 3

Get a free flood insurance quote.
Get a Free Flood Insurance Quote for Port Aransas, TX

Find Flood Insurance for Your City in Texas

Flood risks and insurance rates vary widely by city. Select your city below for a tailored guide.

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How Flood Insurance Helped Port Aransas

“After Risk Rating 2.0, my NFIP rate jumped from $1,800 to $4,200. I switched to private flood insurance and saved $2,000 per year!”

Greg S., Port Aransas, TX

“We didn’t have flood insurance because we thought we were safe. Then Hurricane Harvey hit, and we lost everything.”

Lisa P., Port Aransas, TX

Get Covered Before the Next Flood

Don’t wait until disaster strikes. Get affordable flood insurance today.