Flood Insurance in China, 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.
8 flood insurance agencies in China
Within 15 miles of China, 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.
Lumpkin’s Insurance Agency is an independent multi‑line insurance agency serving individuals, families and businesses in Texas since 1992. They offer a full range of products including auto, home, business, life, boat, RV and motorcycle insurance, working with hundreds of carriers.
Donald Dodge Insurance is a family‑owned agency serving the Golden Triangle of Texas for over 35 years, with three locations in Beaumont, Orange, and Mid‑County. They offer a range of personal and commercial insurance products and work with carriers such as Progressive, State Farm and Farmers Insurance Group.
J.S. Edwards & Sherlock Insurance Agency is an independent agency with over 100 years of heritage, serving Southeast Texas with personal and commercial insurance, employee benefits, and life and health solutions.
GEICO Insurance Agency provides a range of insurance products—including auto, homeowners, renters, motorcycle, boat, life, umbrella, flood and earthquake coverage—through its online platform and partnered agents, emphasizing savings and customer satisfaction.
JD Insurance Group is a locally owned agency in Beaumont, Texas offering a range of insurance products including auto, home, commercial, boat, flood, umbrella and more. Their agents help customers get coverage for vehicles, property, and businesses across Texas and Louisiana.
The Maida Insurance Agency is an independent agency serving Southeast Texas since 1927. It offers personal and commercial insurance products such as auto, homeowners, renters, flood, windstorm, and commercial liability, representing many carriers to provide local, personalized service.
TWFG Bobby Counts Insurance is the largest independent agency in Texas, representing over 100 insurance companies. It specializes in house and car insurance, and also offers business, flood, and builder's risk coverage to residents and businesses in Southeast Texas.
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.