Flood Insurance in San Antonio, 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.
Flood insurance in San Antonio, TX: 10 licensed insurance agencies serve 1,530,000 residents in Bexar County. auto premiums average $2,230 per year — 19% below the Texas state average.
10 flood insurance agencies in San Antonio
Within 15 miles of San Antonio, TX. Click any agency to view profile, contact info, and request a quote.
Independent Insurance Center, Inc
Independent Insurance Center, Inc. (IIC) is a Texas‑based independent agency with over 100 years of experience serving businesses and individuals. They offer personal and commercial insurance solutions, including property, auto, farm, boat and specialty coverage, backed by a team of experienced agents.
Greater Northwest Insurance
Greater Northwest Insurance is an independent agency based in San Antonio, TX, offering personal insurance coverages such as auto, boat, homeowners, renters, flood, motorcycle and umbrella policies. Founded in 2009, the agency highlights its experienced agents and a focus on fast, reliable service.
Germania: Haby Insurance Agency
Haby Insurance offers a range of personal and commercial insurance products including home, auto, life, farm, umbrella, boat, RV, motorcycle and more, partnering with carriers such as Germania, Foremost and Progressive. They provide personalized coverage options and easy quote requests.
Humberto Becerra - GEICO Insurance Agent
GEICO Insurance Agency offers a range of insurance products including auto, homeowners, renters, motorcycle, boat, life, umbrella, flood and earthquake coverage.
Rod Musslewhite - GEICO Insurance Agent
GEICO Insurance Agency, Inc. offers a range of insurance products—including auto, homeowners, renters, motorcycle, boat, and commercial coverage—through an online platform that lets customers get quotes, manage policies, and access support.
Will Ramirez - GEICO Insurance Agent
GEICO Insurance Agency in San Antonio offers a range of insurance products including auto, homeowners, renters, motorcycle, boat, and commercial coverage. Customers can obtain quotes online and manage policies through the GEICO online portal.
Alamo City Insurance
Alamo City Insurance is an independent agency in Texas that offers a wide range of coverage, including auto, home, renters, commercial, flood, motorcycle and life insurance. They partner with over 20 carriers to provide tailored solutions and focus on building lasting relationships with clients.
Alamo City Insurance
Alamo City Insurance is an independent agency in Texas that works with over 20 insurance carriers to provide customized coverage. They focus on personal relationships and aim to protect customers with a wide range of solutions, from auto and home to commercial and specialty lines. The agency emphasizes total insurance solutions and risk reduction for individuals and businesses.
Mendoza Insurance Agency
Mendoza Insurance Agency provides a range of insurance products including home, auto, fire, flood, and theft, focusing on personalized service and competitive pricing.
Acrisure Universal City, TX (Liberatore Insurance Group, LLC.)
Acrisure is an insurance agency offering both business and personal insurance solutions, leveraging technology to connect clients with personalized coverage options. They serve individuals, small‑to‑mid‑size companies, and large enterprises across the United States.
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.