Flood Insurance in Richmond, 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 Richmond
Within 15 miles of Richmond, 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.
With over 24 years of experience in the insurance industry, Vahn Doctolero opened his State Farm agency in August 2017 in Richmond, Texas. The agency offers a range of insurance products including auto, homeowners, renters, life, flood, motorcycle and boat coverage, serving Richmond and surrounding Texas communities.
Acrisure is an insurance and business solutions provider that offers personalized coverage for individuals and companies of all sizes. They connect customers to a range of insurance options, including home, auto, flood, health, and life policies, using advanced technology for quick quotes. Their focus is on delivering tailored solutions backed by industry expertise.
TIA‑Texas Insurance Agency is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable auto, homeowners, boat, RV, motorcycle, commercial and liability coverage by comparing multiple carriers. The agency emphasizes personalized service, bilingual support, and free, no‑obligation quotes.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that offers affordable coverage for individuals, families, and businesses throughout Texas. They compare multiple carriers to provide auto, homeowners, renters, commercial, and specialty insurance solutions.
Cornerstone Insurance Agency offers personalized insurance solutions with over 150 carrier options, focusing on home, auto, life, farm and business coverage for clients in Texas and Oklahoma. With more than 17 years of experience, they emphasize human‑first service and tailored guidance for individuals and high‑risk industries.
Hayslip Insurance Group is a local agency serving Fulshear and surrounding areas with personal, easy‑to‑reach insurance solutions for homes, autos, and businesses. They focus on tailoring coverage to families and offering direct, in‑person assistance. The agency emphasizes claims advocacy and community‑focused service.
DuVal Insurance Agency provides a range of insurance plans to residents in Richmond, Katy and the Greater Houston Area. They offer coverage for home, auto, boat, life, flood, umbrella and commercial needs, helping families and businesses protect their assets.
Brightway Insurance offers a modern, independent approach to insurance, connecting customers with local agents who customize quotes across many carriers. They emphasize trust, fast response, and personalized service to help clients secure the right coverage.
Inshora Group is a Texas‑based insurance agency offering personal and business insurance solutions, including auto, home, renters, flood, life, and business coverage. They compare quotes from over 25 A‑rated carriers to provide personalized service and savings for clients.
TS Insurance is a local agency serving Katy and the surrounding Texas communities, offering personal and commercial insurance solutions. They emphasize protecting clients like family and provide a range of coverage options. The agency highlights quick online quotes and personalized service.
First Choice Insurance Partners is an independent insurance agency based in Texas with offices in Katy, Sugar Land, and Manvel. They provide personal, business, and life‑and‑health insurance solutions, focusing on personalized service and helping clients save on home, auto, and commercial policies.
Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses find affordable coverage across the state. It compares multiple carriers to match customers with the right policies and offers free, no‑obligation quotes.
Wiemers Insurance Group is the largest independent insurance agency in Katy, Texas, offering a wide range of insurance products including home, auto, business, life, health, and pet coverage.
Cash & Forbes Insurance Group is an independent insurance agency founded in 2018 that serves Texas families and businesses with a variety of personal and commercial insurance solutions. The agency merged with Memorial Insurance Agency and operates out of Houston, TX, offering auto, home, renters, flood, boat, and business coverage.
DLG Insurance Agency serves Katy and the surrounding Texas communities, helping consumers save money, businesses reduce risk, and families protect their financial future. The agency offers a wide range of insurance products, from auto and home to life and disability coverage.
Equity Insurance Group in Katy, Texas offers personalized insurance shopping, comparing over 80 carriers to find competitive rates for auto, home, renters, and other coverages. They emphasize real‑person support, easy claims assistance, and a free no‑obligation evaluation.
GEICO Insurance Agency, Inc. provides auto, homeowners, renters, and other insurance products through GEICO’s online platform in Houston, Texas.
Commercial Insurance Services of Texas is an independent insurance agency serving Katy, Pearland, and Houston, focused on providing business insurance solutions with a strong emphasis on customer service. They partner with multiple carriers to offer comprehensive coverage for commercial and personal policies.
Prosafe Insurance is a full‑service independent agency based in Sugar Land, Texas, serving clients across the state. They help customers find home, auto, life, flood, commercial and other coverages by comparing multiple carriers to get the best rates. Their focus is personal service and transparent guidance throughout the insurance process.
Tejas Insurance Agency is an independent insurance agency offering 24/7 support and online tools for quotes and policy services. They partner with many carriers to provide auto, homeowners, renters, commercial, flood, motorcycle and boat insurance. Their focus is on personal service and quick online access for customers.
Texas Insurance Agency, founded in 1999, provides affordable coverage and free quotes to families across Houston, Pasadena, Beaumont, The Woodlands and the wider Texas area.
Kimball Insurance is an independent agency located in The Woodlands and Sugar Land, Texas, offering personal and business insurance solutions with a focus on relationships and proactive service.
Cash & Forbes Insurance Group is an independent insurance agency founded in 2018 that offers personal and business insurance solutions to individuals, families, and businesses throughout Texas.
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.