Flood Insurance in Richardson, 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 Richardson
Within 15 miles of Richardson, 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.
Decisive Insurance specializes in commercial, life, home and auto insurance policies, partnering with A‑rated admitted carriers to provide quality coverage. They offer a range of products from homeowners and auto to business and specialty insurance.
Five Star Insurance Group is an independent insurance agency serving clients in the Richardson, Texas area. They offer personal and business insurance coverages including auto, homeowners, pet, boat, condo, and various commercial lines.
Brightway Insurance offers a modern, independent‑agent approach that connects customers with a variety of carriers and personalized quotes. The agency emphasizes trust, quick response, and comprehensive coverage options for individuals and businesses.
Insurance Source of Dallas is an independent insurance agency based in Dallas, Texas. We take pride in providing the power of choice to our clients for all their insurance needs.
Insurance Source of Dallas is an independent insurance agency founded in 2004, serving the Dallas/Fort Worth area. They offer a wide range of insurance options including auto, home, commercial, and more, representing top local carriers.
Brightway Insurance offers an independent‑agent approach, promising insurance on your terms with personalized quotes and a focus on community service.
Insurance Source of Dallas is an independent agency in Dallas, Texas offering a range of insurance options. They emphasize providing choice by shopping among many carriers to find the best rates for clients. Founded in 2004, they serve the Dallas/Fort Worth area with multiple office locations.
GEICO Insurance Agency offers a variety of insurance products such as auto, homeowners, renters, motorcycle, boat, and commercial lines. The agency helps customers get quotes, manage policies, and access claims online through its partner network.
3D Insurance Services is a full‑service property and casualty agency serving Rowlett and all of Texas. They provide auto, homeowners, life/health, business and employee benefits insurance and emphasize personalized service.
Cordial Insurance Group is an independent insurance agency based in Rowlett, Texas that offers personal and commercial insurance solutions. They emphasize personalized, local service and access to a wide range of carriers to find the best coverage and price for customers.
Insurance City is an independent agency based in Plano, Texas that helps clients find personal and commercial insurance coverage. They offer quotes for auto, home, flood, boat, life, and liability policies and emphasize quick, personalized service.
Guest Insurance Agency is a locally owned and operated insurance agency founded in 1991. Their dedicated staff helps clients find the right coverage across a range of products, emphasizing personalized service and peace of mind.
Preferred Insurance Solutions is an independent insurance agency serving Allen, Texas and surrounding areas. They offer a full range of personal and commercial insurance products, representing multiple carriers to find the best coverage for families and businesses.
Freedom Insurance Group is an independent agency offering auto, home, business, landlord, and commercial auto insurance by shopping over 25 carriers. They provide free online quotes, policy reviews, and educational resources across Texas, Colorado, Missouri, and Tennessee.
Freedom Insurance is an independent agency that helps clients find the best auto, home, business, landlord, and commercial auto insurance coverage by shopping from over 25 insurers. It offers free online quote tools, policy reviews, and ongoing monitoring, and is licensed in Texas, Colorado, Missouri, and Tennessee.
Jeff Van Matre Insurance Agency offers protection to individuals and businesses in Carrollton, TX, and the greater Dallas‑Fort Worth area. As an independent agency they focus on client needs rather than individual sales, providing personalized advice and comprehensive coverage solutions.
Canó Molina Insurance Brokers provides a full range of commercial, personal and specialty insurance solutions, including auto, home, flood, life and umbrella coverage. They emphasize customized risk management for individuals and businesses in the Dallas‑Fort Worth area, highlighting integrity and a broad selection of carriers. The agency promotes comprehensive protection through both personal lines and commercial policies.
Monarch Insurance Group is a full‑service independent agency in Texas offering personal and commercial insurance, representing dozens of carriers and emphasizing personalized service throughout the customer’s life.
Partners Insurance is an independent agency founded in 2020 that compares quotes from over 10 top carriers to provide maximum coverage at the best rate. They specialize in home, auto, business, flood and umbrella policies, emphasizing personalized service and bilingual support.
Integrity Insurance Group is a Texas‑based agency that offers personal, auto, home, life, umbrella, flood, and boat insurance with a zero‑hassle process, comparing over 60 carriers to find the best options for individuals and families.
Alpha Omega Insurance Agency is an independent agency based in Plano, Texas offering personal and commercial insurance solutions with a focus on personalized service and a wide range of carrier options.
Progressive Insurance is a national carrier offering a wide range of insurance products including auto, homeowners, renters, motorcycle, boat, RV, life, umbrella and flood coverage. The site highlights average savings, bundling options, 24/7 support and serves over 43 million customers.
GEICO Insurance Agency offers a range of insurance products including auto, homeowners, renters, motorcycle, boat, life, umbrella, flood and earthquake coverage. The site provides online quotes, policy management tools, and contact numbers for assistance.
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.