Flood Insurance in Pearland, 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 Pearland
Within 15 miles of Pearland, 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.
Commercial Insurance Services of Texas is an independent agency serving businesses in Pearland, Katy, and Houston. They specialize in commercial insurance solutions, partnering with multiple carriers to provide tailored coverage for a range of industries.
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.
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.
Johnny White is a State Farm Insurance Agent in League City, Texas, with over 48 years of service. His agency offers a wide range of products including auto, homeowners, renters, life, disability, and more, and serves English and Spanish speaking customers.
Insuring the local community since 1997, Home Auto Texas provides a range of personal and commercial insurance options. Their staff helps clients navigate policies across many carriers, emphasizing respect and compassion.
Founded in 1997, Home Auto Texas offers a variety of insurance solutions—including auto, homeowners, boat, life, renters, and commercial coverages—to the local community. Their staff works with numerous carriers to find suitable policies and provides personalized assistance throughout the process.
Ed Thompson has been a State Farm agent since 1982 serving the Pearland, Texas area. His agency offers auto, homeowners, renters, life, boat, motorcycle and flood insurance, as well as business and health products. He is active in the community and also serves as a State Representative.
Jo Laird Insurance Agency, Inc. has been serving Pearland and surrounding areas for over 35 years, offering competitive homeowners, windstorm, flood, auto, life, ATV, RV, camper, boat, and motorcycle insurance. The agency emphasizes personalized service and free quotes, reachable by phone or email. Their long‑standing presence reflects deep community ties and expertise across multiple insurance lines.
Vern Insurance Group is an independent agency offering a full range of insurance products including home, auto, marine, life, flood, and umbrella coverage.
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.
The Ken Hinojosa State Farm Insurance agency serves Friendswood and surrounding Texas areas, offering a range of insurance and financial services. Ken Hinojosa has been a State Farm Insurance Agent since 2015 and leads a team of licensed professionals to provide auto, home, life, and commercial coverage.
Lighthouse Insurance is a Friendswood‑based agency dedicated to protecting individuals, families and businesses. With over 35 years of experience serving the local community, they offer a range of personal and commercial insurance policies.
Watson Insurance is an agency that helps customers shop for auto, home, and flood insurance, providing multiple competitive quotes quickly and emphasizing personalized service.
Blanchard Insurance is a Texas Gulf Coast agency offering personalized auto, home, renters, flood, and business insurance. They emphasize competitive rates and responsive local service.
Goosehead Insurance provides a range of personal insurance products including home, auto, renters, boat, motorcycle and flood coverage, helping customers compare policies from over 200 carriers to find the best value.
TIA‑Texas Insurance Agency is an independent agency founded in 1999 that helps individuals, families and businesses in Texas find affordable coverage. The agency compares multiple carriers to tailor policies such as auto, home, renters, commercial and specialty lines.
Champions Insurance is an independent brokerage and risk management firm founded in 2002 that provides both personal and commercial insurance solutions across Texas. The agency emphasizes specialized coverage, high service levels, and an educational approach to help clients protect their assets and businesses.
Founded in 1990, HIG – Henrich Insurance Group is a full‑service independent agency serving South Texas. They offer home, flood, auto, renters and windstorm insurance across the Houston area, Galveston and the Texas Coast. The agency emphasizes personalized service, multiple carrier options and a team of experienced agents.
KleeCo Insurance advises high‑net‑worth individuals and families on personal insurance coverage. They partner with top private‑client insurers to provide solutions such as auto, yacht, umbrella, flood and valuable‑possessions protection. The agency emphasizes personalized service and a comprehensive risk‑management approach.
Texas Insurance Agency (TIA) is an independent agency serving individuals, families and businesses in Texas since 1999. They offer a variety of products—including auto, homeowners, renters, motorcycle, commercial and flood insurance—and compare multiple carriers to provide affordable coverage with free quotes.
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.
Actsphere Insurance offers personal and business insurance solutions, including auto, homeowners, renters, life, flood, and umbrella coverage. They serve clients in Texas, Michigan, Ohio, and Pennsylvania, emphasizing personalized service and competitive pricing.
Best Texas Insurance is a local, independent agency that helps Texas homeowners, drivers, and business owners find the right coverage at the best value. They specialize in home, auto, renters, flood, life, and commercial insurance, offering free policy reviews and personalized guidance. Their goal is to make insurance easy and affordable across the Texas Gulf Coast.
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.