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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Brightway Insurance offers an independent‑agent approach, promising insurance on your terms with personalized quotes and a focus on community service.
Insurance One Agency, LC offers a range of personal and business insurance solutions across Texas, including auto, homeowners, motorcycle, umbrella, commercial liability, commercial property, and flood coverage.
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.
Texas Independent Insurance is a multiple‑line, independent brokerage that focuses on providing tailored insurance solutions for individuals and businesses. The agency emphasizes unbiased reviews, a rate‑shop guarantee, and 24/7 online service, working for clients rather than any single carrier.
Sheaner Insurance Agency, an independent agent founded in 1952, provides auto, home, renters, flood and commercial insurance throughout Dallas/Fort Worth and the rest of Texas. They partner with multiple carriers to offer personalized service and quick quotes. The agency emphasizes convenience, personal service, and a long‑standing local presence.
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.
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.
Progressive Insurance, founded in 1937, is a leading insurer offering a wide range of products including auto, homeowners, renters, motorcycle, boat, life, umbrella, flood and commercial coverages. It serves over 43 million customers with 24/7 support and focuses on discounts and bundled policies.
GEICO Insurance Agency serves the Dallas‑Fort Worth area offering a variety of insurance products such as auto, homeowners, renters, motorcycle, boat, life, umbrella, flood and earthquake coverage. The agency partners with multiple carriers and provides online tools for quotes, policy management and claims.
Goosehead Insurance is an independent agency that helps customers find coverage for home, auto, renters, boat, motorcycle, and flood insurance by comparing policies from a large network of carriers. The agency emphasizes personalized service, clear communication, and helping clients save money while getting the right protection.
Relation Insurance – Addison, formerly Davidson Insurance Services, offers business and personal insurance, employee benefits, retirement services, and private wealth management. Their 360° solutions aim to protect clients' present and secure their future through personalized risk‑management programs.
Suitable Insurance is an insurance agency located in Mesquite, TX serving clients across Texas, offering a wide range of personal and commercial insurance products such as auto, home, flood, umbrella, renters, pet, boat, life, and health insurance. The agency partners with multiple carriers to provide competitive options and emphasizes personalized service from professional agents.
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.