Rockport sits on Aransas Bay and Little Bay in Aransas County, with Fulton just to the north and Key Allegro on the water between them. As a public adjuster in Rockport, TX, we help homeowners and business owners with hurricane, windstorm, hail, and water-related claims. Corpus Christi Public Adjuster serves Rockport and the rest of Aransas County from the Corpus Christi area. We do not have a Rockport office; we come to your property.
Few places on the Texas coast know hurricane claims as well as Rockport. The town's housing mix includes older wood-frame cottages, bayfront homes on piers, newer elevated homes, manufactured homes, RV parks, marinas, and small commercial buildings along Business 35. Each of those has its own weak points in a storm and its own coverage questions afterward.
Hurricane Harvey and Rockport
According to the National Hurricane Center's report, Hurricane Harvey made landfall as a Category 4 hurricane on the northern end of San José Island, about 5 nautical miles east of Rockport, at about 10 p.m. CDT on August 25, 2017. Three hours later it made a second landfall at Category 3 on the northeast shore of Copano Bay. The NHC Tropical Cyclone Report has the full track.
NCEI's county summary describes widespread major damage across Aransas County, with catastrophic damage in Copano Village, Holiday Beach, and Lamar, including elevated homes whose second stories collapsed. Storm surge in Holiday Beach and Copano Village punched holes through walls and garage doors on the lower portions of most homes. Harvey is the clearest local example of why wind and water damage must be documented separately on coastal claims.
Other storms on record
- January 9, 2011: Estimated 90 mph winds blew the wood roof and awning completely off a Rockport home, pushed part of it into a neighbor's roof, and sent a tree limb through a wall along a two-mile path from Live Oak Elementary to Nopal and Austin streets.
- May 10, 2012: An NWS survey found straight-line winds through a narrow corridor in Fulton; a mobile home lost its roof and a metal storage building partly collapsed along FM 1781.
- September 2020 (Tropical Storm Beta): Tides ran 2 to 3 feet of inundation in coastal Aransas County, and nearly a foot of water covered portions of Water Street in Rockport.
- July 7, 2021: Flash flooding led to numerous water rescues, with water entering buildings and roads closed in Rockport and Fulton.
- June 19, 2024: A waterspout came ashore near Rockport and produced two brief EF0 tornadoes, removing shingles and later destroying carports and sheds near FM 1781.
- August 22, 2023 (Tropical Storm Harold): The Rockport-Aransas County Airport measured a 53 mph gust.
Search your own address with the storm lookup tool, or see the wider Coastal Bend storm history.
TWIA, flood, and CRS in Aransas County
Aransas County is in the TWIA designated catastrophe area, and many Rockport owners carry three policies: a homeowners policy that excludes wind and hail, a TWIA windstorm policy, and a flood policy. TWIA covers wind and hail only. Properties in V, VE, or V1-30 flood zones that were built, altered, remodeled, or enlarged on or after September 1, 2009 must show proof of NFIP flood coverage, when available, to get TWIA coverage.
On the flood side, the City of Rockport participates in the NFIP Community Rating System at Class 8, according to FEMA Community Status Book data (April 2025), while Aransas County's unincorporated areas are NFIP participants but not in the CRS. NFIP coverage generally begins 30 days after purchase. See our flood damage claims page and the article on wind vs. storm surge damage claims.
TWIA claims must generally be filed within one year of the date of loss, and TWIA has its own timelines for decisions, appraisal demands, and disputes. Our TWIA claim help page explains them, and the claim deadline calculator can help you track dates.
Repairs, windstorm certificates, and permits
Re-roofs and roof repairs in the catastrophe area fall under the TDI Windstorm Inspection Program, and TWIA eligibility depends on a certificate of compliance for work done on or after January 1, 1988. Since April 1, 2026, TDI requires windstorm certificate applications to be certified to the 2024 IRC or 2024 IBC. If a contractor skips the windstorm inspection, renewing or keeping TWIA coverage can become a problem. For City of Rockport or Aransas County permit rules, check with the local building office before work starts. The article on WPI-8 windstorm certificates explains how certificates connect to claims.
How we help in Rockport
We document the full loss, including roof coverings, decking, siding, windows, porches, piers where covered, fences, and interior water damage, and we prepare an itemized estimate for your insurer or TWIA. Many Rockport claims involve named-storm or windstorm deductibles, so check yours with our hurricane deductible calculator. Fees are disclosed in a written contract before any work begins; Texas law caps public adjuster compensation at 10% of the insurance settlement. Start with a Free Claim Review, and Corpus Christi Public Adjuster will tell you how we can help.
Frequently Asked Questions
Is Rockport in the TWIA catastrophe area?
Yes. Aransas County is one of the 14 first-tier coastal counties in the TWIA designated catastrophe area. TWIA covers wind and hail only; flood damage needs a separate NFIP or private flood policy.
Does Rockport get a flood insurance discount through the CRS?
The City of Rockport participates in the NFIP Community Rating System at Class 8, according to FEMA Community Status Book data (April 2025). Unincorporated Aransas County is not listed as a CRS participant. Confirm your current class and any discount with FEMA or your flood agent.
My elevated home had wind and surge damage. Which policy pays?
Usually each policy pays only for the peril it covers: TWIA for wind and hail damage, and the flood policy for surge and rising water. Elevated homes often show both, with wind damage to the roof and upper walls and water damage to the lower enclosure. Separating and documenting the two carefully is a key part of the claim.
How long do I have to file a TWIA claim in Rockport?
Under Texas Insurance Code Chapter 2210, a TWIA claim generally must be filed no later than one year after the date the damage occurred. The Commissioner may extend this by up to 180 days for good cause. For any deadline to sue, consult a Texas attorney.
Do you have an office in Rockport?
No. We serve Rockport and Aransas County from the Corpus Christi area and come to your property to inspect it. Request a Free Claim Review or call or text us.