Flood Insurance in Huston, 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 Huston
Within 15 miles of Huston, 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.
TWFG Sirafi Insurance Services is a family‑owned agency that works with over 100 carriers to provide personalized insurance solutions across the U.S. They offer policies such as auto, homeowners, flood, and life insurance and emphasize ongoing policy reviews to secure the best rates.
The Charles Osburn Insurance Agency, based in Tomball, Texas, offers a one‑stop shop for auto, homeowners, renters, life, health, flood, commercial, disability, RV, boat and motorcycle insurance, leveraging over 24 years of experience.
InsureUS is an independent insurance agency in Cypress, Texas that offers a variety of personal and commercial insurance products, including auto, home, renters, flood, motorcycle, boat, and commercial coverage. They compare quotes from multiple carriers to help clients find competitive rates.
McDade Insurance Brokerage Group, LLC helps consumers save money, businesses reduce risk, and families protect their financial future. They serve the Greater Houston area and emphasize being "Driven to Serve" their community.
Troy Hooper State Farm Agency proudly serves families, individuals, and businesses throughout Cypress, Katy, Tomball, Spring, The Woodlands and the Houston metropolitan area, offering a full range of personal and commercial insurance products.
The Dollar Agency Inc. assists people throughout Texas by finding the insurance coverage they need. We offer our clients multiple policies, which allows them to protect what matters most.
Bluebonnets Of Texas Insurance Agency, Inc. provides personal and commercial insurance solutions including auto, home, umbrella, flood, life, and business coverage. Founded in 2018, the agency is led by Karimy Castillo with 21 years of industry experience, offering personalized service in English and Spanish.
Katlyn Brenneise’s TWFG agency offers personalized insurance solutions, emphasizing caring service for individuals, families, and businesses. The team highlights a commitment to community and customer protection across a range of policies.
Acrisure is a technology‑driven insurance agency offering business and personal insurance solutions, employee benefits, cybersecurity, and more. It serves individuals, small‑to‑midsize businesses, and large enterprises across the United States and globally.
Harmony National Insurance Brokerage is a local independent agency that offers a range of insurance products including auto, homeowners, business, life, and notary services. The agency emphasizes service, honesty, and personalized customer care.
Theiss Insurance Agency is an independent agency in Spring, Texas serving the area for over 30 years. They provide personalized coverage for property, auto, flood, life, umbrella, boat and motorcycle insurance, partnering with multiple carriers to offer tailored options.
Cypress Insurance Team is a Texas‑based agency offering a range of insurance products including auto, homeowners, life, renters, flood and umbrella coverage. With over 50 top‑rated carriers and more than 18 years of experience, they emphasize personalized service and competitive pricing.
GEICO Insurance Agency offers auto, homeowners, and business insurance along with additional products such as life, umbrella, travel, pet, and more. They provide online tools for quotes, claims, and policy management.
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.
Kyle Jungels is a 3rd‑generation State Farm agent serving Cypress, TX and the greater Houston area. The agency offers a range of insurance products including auto, homeowners, renters, life, health, pet, and commercial coverage. They emphasize community service and provide 24‑hour support.
Insurance, Titles and More is a family‑owned agency in Spring, TX offering a one‑stop shop for auto insurance, title transfers, vehicle inspections and notary services. With 25 years serving Bexar, Hays, Hidalgo and Harris counties, they provide personal and commercial coverage solutions for residents and businesses.
Harmony National Insurance Brokerage specializes in auto, homeowners, business, and life insurance, offering personalized service with a focus on honesty. The bilingual staff (English and Spanish) provides professional guidance for personal and commercial needs.
Delon Fields State Farm Insurance serves the Houston, Spring, The Woodlands, and Conroe areas with a focus on personalized protection. The agency offers a wide range of products including auto, home, renters, life, flood, boat, motorcycle and business coverage, backed by over a decade as a State Farm agent and more than 13 years serving Texas families.
Cash & Forbes Insurance Group is an independent insurance agency founded in 2018 that serves Texas families and businesses with a variety of personal and commercial insurance solutions. The agency merged with Memorial Insurance Agency and operates out of Houston, TX, offering auto, home, renters, flood, boat, and business coverage.
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, home, motorcycle, and commercial policies.
Insurance Discounters of Texas is an independent agency serving Tomball, Cypress, Magnolia and surrounding Texas communities. Established in 1995, they provide home, auto, and business insurance solutions with a staff of dedicated professionals. They work with many carriers to find the best policies for their customers.
TWFG Insurance Spring / The Woodlands is an independent agency that works with over 50 carriers to provide auto, home, boat, RV, flood, business and other insurance solutions. They emphasize personalized service and competitive pricing for the Tomball, Spring and The Woodlands area.
Cash & Forbes Insurance Group is an independent insurance agency founded in 2018 that offers personal and business insurance solutions to individuals, families, and businesses throughout 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.