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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.