Flood Resiliency Guide for Small Business Owners Along the Texas Gulf Coast


Compared to large businesses and global enterprises, small businesses are especially vulnerable to weather shocks, where businesses with 1-9 employees fare worse in the immediate aftermath of a storm than businesses with 10-19 and 20-49 employees [1].

Nevertheless, according to the latest CNBC|Momentive Small Business Survey, only 9% of business owners say the environment matters the most to them. They rank issues like the economy, healthcare, and immigration higher than the environment.

The impact of natural disasters on small businesses has been massive. The Small Business Credit Survey (SBCS) found that 65% of affected businesses in FEMA-designated disaster areas in the United States lost power in late 2016 and 2017. However, only 17% of affected businesses had business disruption insurance at the time of the disaster, and only 16% had flood insurance. 

According to FEMA, just 1 inch of floodwater can cost up to $25,000 in damage.

The U.S. Small Business Administration’s (SBA’s) latest Small Business Profile reports 3 million small businesses in Texas, making up 99.8% of Texas businesses.* 

*These figures do not consider the effects of the Covid-19 pandemic.

As small business owners in Texas, you need to plan for the unexpected.

This guide provides resources to help small business owners become better equipped for flood mitigation, preparation, response, and recovery.


[1] Davlasheridze M, Geylani PC. Small business vulnerability to floods and the effects of disaster loans. Small Business Economics. 2017;49:865-888. doi: 10.1007/s11187-017-9859-5

Flood Resiliency Guide


To learn more about how small business owners can plan and protect against floods, prepare for floods, respond to floods, or recover after floods, click on the sections below:

Plan and Protect Against Floods

Prepare for Floods

Respond to Floods

Recover After Floods

Alternatively, the full guide can be downloaded here.

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