Flood Insurance in Midland, 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 Midland
Within 15 miles of Midland, 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.
Killebrew Insurance LLC is a family‑owned independent agency serving the Permian Basin since 1974, offering auto, homeowners, renters and business insurance through multiple carriers in Midland, Odessa and Lubbock.
Progressive is a leading insurance company founded in 1937, offering a wide range of products including auto, homeowners, renters, motorcycle, boat, life, umbrella, flood, and commercial liability coverage. It emphasizes discounts, 24/7/365 support, and convenient online quoting.
Ledford Insurance Agency, based in Midland, Texas, provides auto, home, commercial, boat, flood, life, motorcycle, and umbrella insurance coverage to Texas residents. They help clients find tailored policies and are committed to assisting when needed.
Ervin Insurance Agency is an independent agency serving Midland and West Texas. They provide a range of personal coverages such as auto, homeowners, life, disability, and motorcycle insurance, as well as commercial lines like general liability, commercial property and umbrella. Clients receive a dedicated team to handle their insurance needs.
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.