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.
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.
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.
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.
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.
Vern Insurance Group is an independent agency offering a full range of insurance products including home, auto, marine, life, flood, and umbrella coverage.
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.
Watson Insurance is an agency that helps customers shop for auto, home, and flood insurance, providing multiple competitive quotes quickly and emphasizing personalized service.
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.
Texas Insurance Agency (TIA) is an independent agency serving Texas since 1999, offering affordable coverage for individuals, families, and businesses. They compare multiple carriers to match customers with the right policies and provide free, no‑obligation quotes.
Goosehead Insurance offers home, auto, renters, boat, motorcycle, and flood insurance, providing quotes from over 200 carriers to help customers find the best coverage and rates.
Goosehead Insurance provides a range of coverage options—including homeowners, auto, renters, boat, motorcycle, and flood insurance—by comparing policies from over 200 carriers to find the best fit and price for customers.
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.
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.
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.
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.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses in Texas find affordable coverage across a wide range of insurance products. The agency emphasizes personalized service, free quotes, and multilingual support for English and Spanish speakers.
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.
Robinson Family Insurance is an independent, family‑owned home insurance agency in League City, TX. They offer personalized service and a range of policies including home, auto, boat, RV, motorcycle, flood and windstorm insurance.
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.
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.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that provides affordable coverage for individuals, families, and businesses across Texas, offering auto, homeowners, renters, flood, motorcycle, commercial and other insurance lines.
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.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses find affordable coverage in Texas. They compare multiple carriers to match clients with policies that fit their needs and budget.
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.