Flood Insurance in Highlands, 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.
24 flood insurance agencies in Highlands
Within 15 miles of Highlands, 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.
Licensed insurance agency in Baytown, TX; represents 1 carrier.
Texas Insurance Agency (TIA) is an independent agency serving Texas since 1999, helping individuals, families, and businesses obtain affordable auto, home, and commercial coverage. They compare multiple carriers to find tailored policies and emphasize personalized service and community outreach.
Texan Insurance is a full‑service, family‑owned independent insurance agency in Crosby, Texas, serving families and businesses with personalized coverage options across home, auto, flood, umbrella, renters, life, and commercial lines. The agency continues the legacy of the former Marek Insurance and partners with over 40 top‑rated carriers.
Trusted Texas Insurance Agency since 1999, offering affordable coverage and free quotes for individuals, families, and businesses across Texas. The independent agency compares multiple carriers to find policies that fit each client’s needs.
TWFG Ratliff Insurance is an independent, family‑run agency offering a range of personal and commercial insurance solutions. They provide auto, home, renters, life, retirement, and other coverage options to individuals and families. The agency emphasizes caring service and works with multiple carriers to find the right policy.
Harris County Insurance is an independent agency serving Houston, Baytown, and Pasadena, Texas. They shop multiple carriers to provide personalized quotes for auto, home, boat, motorcycle, and other personal and commercial lines. The agency emphasizes experience and a one‑stop shop for insurance needs.
Ray Grayson is a State Farm insurance agent serving Mont Belvieu and surrounding Texas Gulf Coast communities. He offers a range of personal and business insurance products, including auto, homeowners, renters, life, motorcycle, boat and flood coverage. Ray emphasizes local service and community involvement.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that provides affordable auto, home, and business insurance across Texas. They compare multiple carriers to find coverage that fits individual and commercial needs, offering free quotes and personalized service.
Texas Insurance Agency (TIA) is an independent agency serving Texas since 1999, offering affordable coverage for individuals, families, and businesses. They compare multiple carriers to match customers with the right policies and provide free, no‑obligation quotes.
Harris County Insurance is an independent agency serving Houston, Baytown, and Pasadena, Texas. They shop multiple carriers to provide personal lines like auto, homeowners, and boat, as well as commercial and life/health coverage. The agency emphasizes experience and customized quotes for individuals and businesses.
Covey Insurance — We Give You Options! We provide ANY Texas resident with the best insurance plans for the money! Our dedicated professionals have experience in providing the most affordable insurance options. Whether you are a young driver or don't have a perfect driving record, Covey Insurance wants to help you get the coverage you need.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable coverage. They compare multiple carriers to match customers with auto, homeowners, renters, commercial, and specialty policies. The agency emphasizes bilingual service and personalized support.
Harlan Insurance Agency, founded in 2004 by Bruce Harlan, is an independent agency serving Greater Houston. They provide personalized insurance solutions for individuals and businesses, focusing on home, auto, life, flood, commercial and specialty coverages. With over 20 years of experience they partner with top‑rated carriers to offer competitive options.
Southern Group is an independent insurance agency in Pasadena, Texas offering flexible coverage across auto, home, flood, business, and life insurance. They shop multiple carriers to find the best cost and coverage combination and emphasize quick quoting, personal service, and claims advocacy.
Joe Hambrick State Farm is a locally owned agency serving La Porte and surrounding Texas counties. With over 100 years of combined experience among the staff, they offer personalized insurance solutions for auto, home, life, flood, motorcycle, and boat coverage. The agency emphasizes community service, pet‑friendly offices, and additional services like notary assistance.
KleeCo Insurance advises high‑net‑worth individuals and families on personal insurance coverage. They partner with top private‑client insurers to provide solutions such as auto, yacht, umbrella, flood and valuable‑possessions protection. The agency emphasizes personalized service and a comprehensive risk‑management approach.
Lee Insurance Agency, based in Atascocita, TX, offers personalized insurance solutions for homes, autos, and businesses, emphasizing trust, affordability, and exceptional service. Founded in 1952, the agency works with top insurers to tailor coverage to individual needs and budgets.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses find affordable insurance coverage across Texas. They compare multiple carriers to provide auto, homeowners, renters, business and specialty policies.
Aim Insurance of Texas is an independent agency founded in 1983 that offers a range of personal and commercial insurance products, emphasizing affordable rates and personalized coverage. Based in Pasadena, TX, the agency serves the Houston‑Pasadena area and the entire state of Texas.
Affordable Quality Insurance provides affordable and comprehensive insurance solutions for Texas residents, serving both individuals and businesses with a range of coverage options including auto, home, flood, life, health, and commercial policies.
Turrentine Insurance Agency is an independent insurance agency serving customers in Houston and across the Harris County area. Established in 2003 as a captive Farmers agency, it became independent in 2014 and works with several top carriers to deliver policy quotes.
Cooksley Insurance provides personal insurance agents offering peace of mind, flexible coverage and dedicated service. Based in La Porte, Texas, the agency offers a range of policies including auto, homeowners, commercial, motorcycle, boat and flood insurance. The team is led by Mike Cooksley, an independent agent with over 23 years of industry experience.
Goosehead Insurance provides home, auto, renters, boat, motorcycle, and flood insurance by comparing policies from over 200 carriers to find the best coverage and rates for customers.
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.