Flood Insurance in Kerrville, 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.
5 flood insurance agencies in Kerrville
Within 15 miles of Kerrville, 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.
First Insurance Agency of the Hill Country, Inc. is an independent agency serving the Texas Hill Country since 1891. It offers a broad range of commercial, personal, life and health insurance products through multiple carriers and operates offices in Kerrville and Comfort.
First Insurance Agency of the Hill Country, Inc. is an independent agency offering a broad range of commercial, personal, life, and health insurance products. Founded in 1891 and operating offices in Kerrville and Comfort, Texas, they emphasize partnering with quality carriers to meet client needs. They serve the Hill Country region with a focus on personalized coverage.
We are in the business of helping people. We help consumers save money, we help businesses reduce risk and we help families protect and preserve their financial future.
Acrisure provides technology‑driven insurance and business solutions for individuals and companies, offering personalized coverage options across a range of products.
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.