Insurance in Friendswood, where wind and water are two different problems

Most Texas coastal towns have one dominant story. Friendswood has two, and they do not overlap:

Wind, from the county Galveston County, first tier

Galveston County is one of the fourteen first-tier coastal counties, so TWIA writes wind and hail here when the private market will not. Carriers writing in a first-tier county frequently exclude windstorm and hail from the homeowners policy and expect a separate wind policy alongside it. Whether yours has done that is a thirty-second check and it is worth doing before a forecast, not after. The mechanics are on the windstorm insurance page.

Water, from the creek Clear Creek watershed

Clear Creek drains a wide, flat, built-out watershed with almost no gradient to the bay, and Friendswood sits along it. That is rainfall accumulating faster than the channel moves it — nothing to do with a storm surge, and nothing a wind policy responds to. Flood is a separate policy through the NFIP or a private carrier, with a 30-day waiting period that makes buying it during a forecast pointless.

And the homeowners policy under both What is actually left in it

Once wind is excluded and flood was never in it, it is worth knowing what the homeowners policy is still doing: fire, theft, liability, the pipe that bursts inside the wall, and loss of use. That is not nothing — but a household that believes it is covered for "storms" by that one policy is usually wrong in both directions at once.