Flood Insurance in Lubbock, 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 Lubbock, TX: 6 licensed insurance agencies serve 266,878 residents in Lubbock County. auto premiums average $1,780 per year — 2% below the Texas state average.
6 flood insurance agencies in Lubbock
Within 15 miles of Lubbock, TX. Click any agency to view profile, contact info, and request a quote.
LIBERTAS INSURANCE
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.
Lubbock Insurance Agency
Lubbock Insurance Agency is an independent agency serving the Lubbock area and throughout Texas, offering personal and commercial insurance solutions through a range of carriers. They provide auto, homeowners, boat, flood, and various business coverages with a focus on personalized service.
Charles Short Insurance Agency
Charles Short Insurance Agency Inc, founded in 1973 in Lubbock, Texas, offers personal and business insurance solutions. As an independent agency they represent multiple carriers and focus on tailoring coverage to each client’s needs. They provide a range of products from auto and homeowners to umbrella and flood insurance.
Hettler Insurance Agency
Hettler Insurance Agency in Lubbock, Texas provides auto, home, business, life, and health insurance with personalized service. With over 30 years in business they offer a wide range of coverage options and work with multiple carriers to find the best policies for clients.
Keith Roberts - GEICO Insurance Agent
Licensed insurance agency in Lubbock, TX; represents 1 carrier.
Progressive Insurance - Claims Office
Progressive Insurance is a leading U.S. insurer founded in 1937, offering a wide range of products from auto and homeowners to life, motorcycle, and commercial coverage. The site highlights extensive discounts, 24/7 support, and a focus on personalized, technology‑driven service.
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.