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Flood Insurance in Houston, 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 Houston, TX: 24 licensed insurance agencies serve 2,390,125 residents in Harris County. auto premiums average $3,150 per year — 28% above the Texas state average. hurricane + hail drives 38% of homeowner claims.

24 flood insurance agencies in Houston

Within 15 miles of Houston, TX. Click any agency to view profile, contact info, and request a quote.

TA

TIA-Texas Insurance Agency

Houston, TX· 3.8 mi
Agency
Popular
10+ agents27yr

Texas Insurance Agency (TIA) is an independent agency that has been serving individuals, families, and businesses in Texas since 1999. They compare multiple carriers to provide affordable coverage across auto, home, and commercial lines.

Spanish
AutoHomeownersRentersCommercial GL+4 more
View Agency
TA

TIA-Texas Insurance Agency

Pearland, TX· 8.6 mi
Agency
Popular
10+ agents27yr

Texas Insurance Agency (TIA) has been serving individuals, families, and businesses in Texas since 1999, offering independent comparisons of multiple carriers to find affordable coverage. The agency emphasizes personalized service, bilingual support, and a wide range of insurance options for personal and commercial needs.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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AA

Avalon Insurance Agency

Houston, TX· 9.5 mi
Agency
Popular
20+ agents20yr

Avalon Insurance Agency is an award‑winning independent agency in Houston, Texas offering a range of personal and commercial insurance products. Since 2006 they provide auto, home, umbrella, flood, renters, landlord, RV/motorcycle, commercial and life insurance with a focus on personalized service.

AutoHomeownersRentersCommercial GL+5 more
Carriers: AIG Assurance Company, ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY +106
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TA

TIA- Texas Insurance Agency/Uvalde Insurance Agency

Houston, TX· 11.3 mi
Agency
Very Popular
10+ agents27yr

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.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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CI

Crestar Insurance

Missouri City, TX· 14.4 mi
Agency
Very Popular
10+ agents20yr

Family owned and operated since 2006, Crestar Insurance provides auto, renters, home, flood, motorcycle and business insurance with a focus on customer service and expert knowledge of its products.

AutoCommercial GLFloodHomeowners+3 more
Carriers: ACCC Insurance Company, Agricultural Workers Mutual Auto Insurance Company, American Access Casualty Company +36
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AT

Affordable Insurance of Texas

Houston, TX· 9.4 mi
Agency
Very Popular
6+ agents

AIT Insurance is a Texas‑based agency offering a wide range of personal and commercial insurance solutions, emphasizing affordable and reliable coverage. They serve individuals and businesses with products such as auto, home, renters, life, and various liability options. Their focus is on helping clients protect what matters most.

Spanish
AutoHomeownersRentersCommercial GL+5 more
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AA

Altivo Insurance | Houston Insurance Agency

Houston, TX· 2.8 mi
Agency
Popular
1-2 agents

Altivo Insurance is a Houston‑based agency partnering with Goosehead to embed insurance into real estate transactions, offering a broad range of personal and commercial coverage options.

AutoHomeownersRentersFlood+4 more
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TA

The Vanguard Insurance Agency

Houston, TX· 5.1 mi
Agency
Very Popular
1-2 agents

We are in the business of helping people by shopping insurance policies with multiple top‑rated carriers. As a highly respected agency in the greater Houston area we serve total insurance needs including life, home, auto, commercial and financial services.

Spanish
AutoCommercial GLFloodHomeowners+3 more
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY, ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY +65
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TA

TIA- Texas Insurance Agency

Houston, TX· 3.8 mi
Agency
Popular
1-2 agents27yr

TIA‑Texas Insurance Agency is an independent agency in Houston, Texas, serving families and businesses since 1999. It offers affordable auto, home, motorcycle, and commercial coverage by comparing multiple carriers to find the best value.

Spanish
AutoHomeownersRentersCommercial GL+4 more
View Agency
PI

Paga-Menos Insurance

Houston, TX· 8.0 mi
Agency
Very Popular
3-5 agents

Paga Menos Insurance is a Houston‑based agency offering a full range of personal and commercial insurance solutions across Texas, aiming to provide affordable coverage and financial stability for individuals and businesses.

Spanish
AutoCommercial GLCommercial PropertyFlood+3 more
Carriers: Alinsco Insurance Company, American Access Casualty Company, American Hallmark Insurance Company of Texas +32
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SA

Southern Group Insurance Agency

Pasadena, TX· 12.5 mi
Agency
Popular
6+ agents

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.

AutoCommercial GLFloodHomeowners+3 more
Carriers: AMFIRST INSURANCE COMPANY, American General Life Insurance Company, Dearborn Life Insurance Company +4
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TA

TIA- Texas Insurance Agency

Pearland, TX· 7.5 mi
Agency
Very Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses find affordable coverage across Texas. The agency compares multiple carriers to match customers with policies that fit their needs, offering a wide range of personal and commercial insurance products.

Spanish
AutoMotorcycleHomeownersRenters+4 more
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AI

AJ Morales Insurance

Houston, TX· 9.5 mi
Agency
Very Popular
3-5 agents20yr

AJ Morales Insurance Agency is an independent, bilingual agency in Houston with over 20 years of experience. They provide a range of insurance options including auto, home, renters, commercial, life, and specialized truck coverage. The agency emphasizes personalized service and compares multiple carriers to find the best value for customers.

Spanish
AutoHomeownersRentersCommercial GL+4 more
View Agency
AI

Auto Express Insurance

Bellaire, TX· 8.2 mi
Agency
Very Popular
1-2 agents

Auto Express Insurance is a Houston‑based agency that helps consumers save money on insurance and assists businesses in reducing risk. The agency serves the greater Houston area, offering personalized protection for families and commercial clients alike.

Spanish
AutoCommercial GLFloodHomeowners+3 more
Carriers: Alinsco Insurance Company, American Access Casualty Company, American Hallmark Insurance Company of Texas +19
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TI

Texan Insurance

Houston, TX· 8.8 mi
Agency
Very Popular
1-2 agents41yr

Texan Insurance is a full‑service, family‑owned independent agency serving Texas since 1985. It offers personalized service through a team of licensed agents who help customers navigate insurance and risk management.

AutoHomeownersRentersCommercial GL+6 more
Carriers: ACCC Insurance Company, Alinsco Insurance Company, American Access Casualty Company +22
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AI

Abe Jacobs Insurance

Missouri City, TX· 15.0 mi
Agency
New on InsurConnect
20+ agents43yr

Abe Jacobs Insurance Agency provides personalized Life, Home, Auto, Commercial, and Flood insurance across Texas. Founded in 1983, the agency has nearly four decades of experience delivering risk management solutions and competitive rates.

AutoCommercial GLCommercial PropertyFlood+5 more
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TA

TIA- Texas Insurance Agency

Houston, TX· 7.9 mi
Agency
Very Popular
1-2 agents27yr

TIA‑Texas Insurance Agency, an independent Texas insurance agency operating since 1999, offers affordable coverage and free quotes for individuals, families, and businesses. The agency compares multiple carriers to provide auto, home, business, and specialty insurance solutions across Texas.

Spanish
AutoHomeownersRentersFlood+4 more
View Agency
TA

TIA- Texas Insurance Agency

Houston, TX· 7.4 mi
Agency
Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable coverage. The agency compares multiple carriers to match customers with policies for auto, home, business and more, offering free quotes and personalized service.

Spanish
AutoHomeownersRentersMotorcycle+4 more
View Agency
YA

Young's Insurance Agency

Bellaire, TX· 6.7 mi
Agency
1-2 agents46yr

Young's Insurance Agency specializes in insurance for home health agencies in Houston and Texas, offering professional liability, workers' compensation, cyber, and other tailored coverages. They also provide personal lines such as homeowners, auto, flood, and small‑business commercial insurance.

AutoCommercial GLCommercial PropertyFlood+3 more
Carriers: Agricultural Workers Mutual Auto Insurance Company, Ameritas Life Insurance Corp., Aventus Insurance Company +8
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TA

TIA- Texas Insurance Agency

Houston, TX· 8.8 mi
Agency
Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency serving Texas since 1999, offering a range of insurance products such as auto, homeowners, renters, flood, motorcycle and commercial coverage. They compare multiple carriers to provide affordable, customized policies for individuals and businesses.

Spanish
AutoHomeownersRentersCommercial GL+4 more
View Agency
TA

TIA- Texas Insurance Agency

Pearland, TX· 7.1 mi
Agency
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that provides affordable coverage for individuals, families, and businesses across Texas, offering auto, homeowners, renters, flood, motorcycle, commercial and other insurance lines.

Spanish
AutoHomeownersRentersCommercial GL+4 more
View Agency
TA

TIA- Texas Insurance Agency

Houston, TX· 8.5 mi
Agency
Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable coverage. It compares multiple carriers to match customers with policies such as auto, home, renters, and commercial insurance.

Spanish
AutoHomeownersRentersCommercial GL+4 more
View Agency
OL

Oscar's Insurance Agency LLC

Houston, TX· 10.8 mi
Agency
Popular
3-5 agents25yr

Oscar Insurance Agency LLC was founded 25 years ago by Oscar Rivas to provide auto, home, life, health and other insurance solutions. Over the years they have served thousands of satisfied customers in Houston.

Spanish
AutoCommercial GLFloodHomeowners+3 more
Carriers: ACCC Insurance Company, Agricultural Workers Mutual Auto Insurance Company, Alinsco Insurance Company +30
View Agency
TA

TIA- Texas Insurance Agency

Pasadena, TX· 10.4 mi
Agency
Popular
1-2 agents27yr

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.

Spanish
AutoHomeownersRentersCommercial GL+5 more
View Agency

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.