As Texas braces for more devastating flash floods and rescuers search for survivors in what’s become a tragic national emergency, many are asking: Are families truly prepared? Do they have the insurance coverage needed to protect their homes, loved ones, and financial legacy?

Our hearts go out to the families of the 27 children and camp counselors tragically lost in the recent floods. The death toll has now risen to 82—and thousands more face renewed flash flood risks. As the frantic search for those still missing continues, we pray for hopeful reunions.

“FEMA is not a replacement for insurance coverage.”
— Cheri Lucking, Your Insurance Expert

In a significant shift, President Trump has announced plans to wind down FEMA after the 2025 hurricane season, transferring disaster relief responsibilities to individual states, and reducing federal disaster aid across the board.

According to The Indy Star and The Hill:

• FEMA will be phased out starting after November 30, 2025.
• States will be expected to manage disaster recovery independently.
• The federal government will “give out less money” for natural disasters from now on.

What Does This Mean for You?

If FEMA is gone, and your home is flooded, or your life is lost in a disaster, your insurance is your only safety net for your family. There’s no federal backup plan. That’s why it’s critical to have the right protection in place today.

🏡 1. Mortgage Protection Insurance

What it does:

• Pays off the remaining mortgage balance in the event of your passing away.
• Protects your spouse, children, or other dependents from inheriting monthly mortgage payments they may not be able to afford.
• It can be easier to qualify for than traditional life insurance.

If you want broader coverage, consider a term life or whole life policy for more flexibility and higher benefits.

🌊 2. Flood Insurance

Typical homeowners' policies exclude:

• Natural flooding (storms, overflowing rivers, etc.)
• Earthquakes
• Mold
• Maintenance issues and gradual wear and tear

With the increase in extreme weather and FEMA’s exit, flood insurance is more essential than ever, especially for those living in or near floodplains.

⚰️ 3. Final Expense Insurance

This affordable coverage ensures your loved ones are not left with funeral costs or unpaid medical bills during an already difficult time.

Features of Final Expense Insurance:

• Death benefits typically range from $5,000 to $25,000.
• No medical exam required—just simple health questions.
• Fixed premiums and lifetime coverage.
• Cash value may accumulate and can be borrowed against.
• Funds can be used however your family needs—from burial costs to debts to memorial expenses.

This is especially valuable for seniors or individuals with pre-existing conditions who want peace of mind without high premiums.