Flood Insurance in Austin, TX
Flood insurance is a separate policy from homeowners coverage. Most Texas residents purchase through the National Flood Insurance Program (NFIP), but private flood markets have grown -- and often beat NFIP rates and limits. If you live in a FEMA-designated flood zone, your mortgage lender requires it.
Flood insurance in Austin, TX: 24 licensed insurance agencies serve 993,588 residents in Travis County. auto premiums average $2,620 per year — 5% below the Texas state average. wind + hail drives 45% of homeowner claims.
24 flood insurance agencies in Austin
Within 15 miles of Austin, TX. Click any agency to view profile, contact info, and request a quote.
Libertas Insurance (Libertas Group, LLC) is an independent insurance agency headquartered in Waco, Texas, with a second office in Austin, serving individuals, families, and businesses across the state. As an independent agency, Libertas isn't tied to a single carrier — it compares multiple companies to fit each client's needs across personal lines (auto, home, life, umbrella, flood, boat, and motorcycle) and a full range of commercial coverage, including general liability, commercial property, workers' compensation, commercial auto, professional liability, cyber, and trucking. Led by owner Kyle Kriegel, the agency emphasizes clear, personalized guidance — "Clear & Simple Insurance" — with free no-obligation policy reviews, online comparative quotes, and 24/7 claims support through a modern client portal.
We are a Texas independent agency founded in 2007, family‑owned and based in Austin. With over 30 insurance carriers, we custom‑prepare policies for auto, home, commercial and personal lines. Our focus is affordable coverage and personalized service for families and businesses.
Central Insurance Agency is a family‑owned independent agency in Austin, Texas, serving families and businesses since 1958. They offer a range of personal and commercial policies and focus on building lasting relationships based on trust and service.
EZ Insurance Agency is a local Austin agency with over 20 years of experience, offering auto, home, and commercial insurance. They focus on saving customers money by shopping multiple carriers and providing fast, friendly service.
EZ Insurance Agency helps Austin residents save on auto, home, and commercial insurance. With over 20 years of experience, they offer fast service, competitive rates, and local expertise across three convenient locations.
EZ Insurance Agency, a local Austin agency with over 20 years of experience, helps customers save on auto, home, and commercial insurance. They offer quick quotes, multiple carrier options, and personalized service to meet the needs of drivers, homeowners, and businesses.
Benjamin‑Fry Insurance emphasizes caring for clients as if they were family, stating they work for the customer rather than an insurance or investment company. The agency highlights a personal, community‑focused approach and offers a wide range of insurance options.
Kenny Hill runs a State Farm‑affiliated agency in Austin offering personalized insurance solutions for auto, home, renters, life and other personal and business risks. The team emphasizes local, fast, friendly service and helps customers navigate coverage across Texas’ many perils.
GEICO Insurance Agency in Austin, Texas provides a range of insurance products including auto, homeowners, renters, motorcycle, boat, life, umbrella, flood and earthquake coverage, offering online quotes and policy management.
Alpine Insurance is an independent agency serving the Austin, Texas area, offering personal insurance such as auto, homeowners, motorcycle, boat & watercraft, and flood coverage. They also provide commercial solutions including Business Owners Policies, General Liability, and Workers Compensation. Clients are assigned dedicated teams to help find competitive rates and responsive service.
Cedar Oak Insurance serves Austin and surrounding Texas communities, helping individuals save money, businesses reduce risk, and families protect their financial future.
The Independent Insurance Agents & Brokers of Texas (IIAT) is a trade association that supports independent insurance agencies with resources, education, and market access across Texas. It offers professional liability (E&O) coverage, access to personal and commercial insurance markets, and tools for agency operations, growth, and advocacy. The organization aims to strengthen agencies of all sizes through member services and industry partnerships.
The Texas Insurance Broker is an independent agency serving Texas customers with a wide range of personal and commercial insurance options. They work with over 40 carriers to find the best coverage for auto, home, business, flood, health and more. The agency emphasizes no fees or markup and a personalized, long‑term relationship with clients.
Birdseye Insurance Agency of Austin serves Pflugerville and surrounding Texas communities, helping consumers save money, businesses reduce risk, and families protect their financial future. We offer a wide range of insurance products from home and auto to life, disability, and umbrella coverage.
AmeriFirst Insurance Agency provides a range of insurance products including auto, homeowners, renters, flood, umbrella, motorcycle, boat and commercial lines across Texas and over ten other states. The independent agency emphasizes personalized service and helps clients buy top A‑rated policies. They serve individuals, families and businesses with a focus on convenience and affordability.
GEICO Insurance Agency, Inc. offers a range of insurance products including auto, homeowners, renters, motorcycle, boat, umbrella, life, flood, and earthquake coverage, allowing customers to get quotes and manage policies online.
Armadoillo Insurance Agency is an Austin, TX based agency offering a range of insurance options including auto, home, commercial, boat, motorcycle, umbrella, flood, condo and renters coverage. The agency emphasizes personalized service and affordable rates for Texas residents.
We are in the business of helping people. We help consumers save money, we help businesses reduce risk, and we help families protect and preserve their financial future.
MH P&C Insurance Agency, LLC is a Texas‑based agency serving the Austin and Dallas/Fort Worth areas. With over 35 combined years of insurance experience, they aim to preserve the legacy and well‑being of their customers by providing personalized coverage. They offer a range of personal and commercial insurance solutions.
Eazy Start Insurance is a bilingual agency serving the Austin metropolitan area since 2021, offering a wide range of personal and commercial insurance solutions. They provide free quotes, personalized service, and a variety of coverages including auto, homeowners, renters, flood, commercial property, liability, umbrella and inland marine.
MH P&C Insurance Agency, LLC is a Texas-based agency offering auto, home, commercial, and life insurance with over 35 combined years of experience, serving the Austin area and the Dallas/Fort Worth metroplex.
Goosehead Insurance connects customers with home, auto, renters, boat, motorcycle, and flood insurance by comparing policies from over 200 carriers. Their agents help clients find the right coverage and provide personalized service.
Goosehead Insurance provides a digital‑first platform to help customers obtain home, auto, renters, boat, motorcycle and flood insurance from a network of over 200 carriers. The site highlights quick estimates, personalized agent support, and a mobile app for managing policies.
Goosehead Insurance connects customers with home, auto, renters, boat, motorcycle and flood insurance by comparing policies from over 200 carriers, aiming to provide smart coverage options that fit each client’s needs and budget.
Frequently asked questions
Is flood insurance required?
Mortgage lenders require it for properties in FEMA Special Flood Hazard Areas (SFHAs). Even outside an SFHA, it's worth carrying -- about 25% of NFIP claims come from low/moderate-risk zones.
How long until coverage starts?
NFIP policies have a 30-day waiting period from purchase to effective date (with a few exceptions, like loan closing). Private flood policies sometimes offer shorter waiting periods.
What does flood insurance cover?
Building structure (foundation, walls, electrical, plumbing) and contents (furniture, appliances). Standard NFIP limits are $250K building / $100K contents for residential. Higher limits available through private markets.