Flood Insurance in Galveston, 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 Galveston, TX: 16 licensed insurance agencies serve 53,963 residents in Galveston County. auto premiums average $2,500 per year — 9% below the Texas state average. hurricane + wind drives 55% of homeowner claims.
16 flood insurance agencies in Galveston
Within 15 miles of Galveston, 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.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that provides affordable auto, homeowners, renters, commercial, motorcycle, boat and flood insurance with free quotes and personalized service across Texas.
SMI Agency, founded in 1981 in Galveston, Texas, provides a wide range of personal and commercial insurance policies across Texas, including homeowners, renters, flood, and liability coverage. The agency emphasizes integrity, customer focus, and community values while serving individuals and businesses.
Rochkind Insurance, founded in 1987, is a family‑owned agency serving Galveston and the greater Houston area. It offers life, homeowners, auto, commercial, windstorm and flood insurance to individuals, families and businesses.
Bergvall Insurance Agency is a family‑owned insurance agency in Texas City offering auto and homeowners coverage. They emphasize personalized service and highlight that clients find them understanding, personable, and providing great customer service.
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Ronald Foree Insurance Agency has been providing insurance coverage since 1993 in the Houston/LaMarque area, offering auto, home, boat, windstorm, business and other policies. They emphasize personalized service, discounts and umbrella protection for clients.
Texas First Insurance has been serving Texans since 1925, offering personal and commercial insurance solutions throughout the greater Houston area. The agency emphasizes a consultative approach and local community involvement.
Insurance Junction is an independent insurance agency serving Galveston County and surrounding Texas coastal communities since 1996. They provide personal and commercial insurance options including auto, homeowners, renters, flood, umbrella, boat and various commercial coverages.
American Proud Insurance is a family‑owned agency offering fast, friendly, and reliable service. They provide a range of coverage including auto, homeowners, flood, windstorm, business and Mexico insurance, emphasizing personalized protection for families and businesses.
Brad Spurgeon Insurance Agency Inc. is a third‑generation family agency serving Texas City and Gulf Coast communities since 1986. They specialize in homeowners, windstorm & hail, flood, auto, boat, and life insurance, offering a Windstorm Included Home Policy for Texas Gulf Coast homeowners.
NavSav Galveston, formerly Henry Freudenburg Insurance Agency, is a full‑service insurance agency in Galveston, Texas offering personal and commercial coverage including home, auto, health, life, and agricultural policies.
Goosehead Insurance offers home, auto, renters, boat, motorcycle, and flood insurance through a network of agents, providing personalized quotes from over 200 hand‑picked carriers.
Brad Spurgeon Insurance Agency Inc. is a third‑generation family agency serving Texas City and Gulf Coast communities since 1986. They specialize in homeowners, windstorm & hail, flood, auto, boat, life, and other insurance products to protect families and businesses.
Mark Spurgeon Insurance Agency, Inc. has been serving Texas City and surrounding communities since 1995, helping consumers save money, businesses reduce risk, and families protect their financial future.
Island Insurance Services is an independent agency serving Galveston, Houston and the Texas Gulf Coast. They provide personal insurance coverages such as auto, home, renters, flood, boat and motorcycle policies. The agency emphasizes fast, personal customer service and a dedicated team for each client.
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.