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HomeFlood Insurance AgentsTexas › Houston

Find Flood Insurance Agents Near You in Houston, TX

Browse flood insurance agents serving Houston, Texas. Updated 2026-07-14.

The top-rated flood insurance agent in Houston, Texas is Texan Insurance, rated 4.9 stars across 2,562 reviews. Other highly rated options include Priority Insurance, TGS Insurance Agency, Cash & Forbes Insurance Group. This directory lists 21 flood insurance agents serving Houston.

Showing 21 flood insurance agents in Houston, TXListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Texan Insurance6161 Savoy Dr #960(281) 998-2500
2Priority Insurance2610 S Texas 6 #1(281) 988-5660
3TGS Insurance Agency11740 Katy Fwy suite 1000(713) 395-4438
4Cash & Forbes Insurance Group13501 Katy Fwy Ste 1875(281) 712-7072
5The Vanguard Insurance Agency1225 N Loop W suite 322(281) 453-8770
6Memorial Insurance Agency13501 Katy Fwy Ste 1875(713) 461-8272
7Whittington Insurance Agency18333 Egret Bay Blvd Suite 422(281) 332-0055
8Dean & Draper Insurance Agency, LP3131 W Alabama St Ste 150(713) 527-0444
9Modern Risk Management, LLC11757 Katy Fwy Suite 1300(281) 400-1205
10Douglas B Johnson Insurance Agency2190 N Loop W Fwy #400(713) 956-7200
TI
6161 Savoy Dr #960
Texan Insurance
Flood Insurance Agent · Houston, TX

Texan Insurance serves the Houston, Texas metro area as a flood insurance agent, helping homeowners and businesses secure coverage tailored to local flood risks. Drawing on a deep understanding of Houston’s weather patterns and flood zone regulations, the agency specializes in navigating the complexities of both National Flood Insurance Program policies and private flood insurance options for properties in high-risk areas. It assists clients with policy selection and claims support for flood-related water damage.

PI
2610 S Texas 6 #1
Priority Insurance
Flood Insurance Agent · Houston, TX

Priority Insurance offers flood insurance services for properties in the Houston, TX area, including policy selection and claims assistance. The agency also provides periodic policy reviews to help ensure coverage remains appropriate as flood maps and property values change. Standard maintenance plans include annual risk assessments and document updates for policyholders. Its client base encompasses single-family homes, residential apartment complexes, commercial retail spaces, and dining establishments.

TI
11740 Katy Fwy suite 1000
TGS Insurance Agency
Flood Insurance Agent · Houston, TX

TGS Insurance Agency serves homeowners, businesses, and property managers in Houston, Texas, seeking flood insurance coverage. The agency helps clients navigate policies that protect against water damage from severe storms and rising waterways common to the region. Each consultation focuses on assessing individual property risks and finding suitable plans through available providers. TGS Insurance Agency also covers clients in the surrounding communities of Sugar Land and The Woodlands.

CF
13501 Katy Fwy Ste 1875
Cash & Forbes Insurance Group
Flood Insurance Agent · Houston, TX

Cash & Forbes Insurance Group serves Houston, Texas, and its surrounding communities, handling flood insurance policies for residential and commercial properties. The agency assists clients in understanding their flood risk and navigating coverage options under the National Flood Insurance Program. To handle a typical job, it begins by assessing the property’s flood zone and elevation data, then compares available policy plans to ensure appropriate coverage limits.

VI
1225 N Loop W suite 322
The Vanguard Insurance Agency
Flood Insurance Agent · Houston, TX

Based in Houston, TX, The Vanguard Insurance Agency works with homeowners to distinguish between a single-policy purchase for immediate coverage and recurring annual policies that maintain continuous protection. Each option focuses on safeguarding properties against flood damage, with coverage tailored to local flood zone risks and elevation requirements. These services run on a one-time, scheduled, or as-needed basis depending on whether the client renews their policy each year or secures coverage for a specific transaction.

MI
13501 Katy Fwy Ste 1875
Memorial Insurance Agency
Flood Insurance Agent · Houston, TX

Serving as a flood insurance agent, Memorial Insurance Agency specializes in securing National Flood Insurance Program policies for properties in Houston, TX. The agency generally assists both residential and commercial clients with their broader insurance needs, focusing on protection against water damage. For Houston residents, this work is crucial before and during hurricane season, when the risk of storm surge and heavy rainfall significantly increases, making it essential to address coverage concerns well in advance.

WI
18333 Egret Bay Blvd Suite 422
Whittington Insurance Agency
Flood Insurance Agent · Houston, TX

Houston’s seasonal downpours and flash flooding present persistent risks to homeowners and businesses. Whittington Insurance Agency addresses these needs by offering guidance on flood insurance policies tailored to the local landscape. Their work begins with a careful review of a property’s specific exposure and current coverage gaps. Understanding the difference between standard homeowners insurance and separate flood protection is essential for clients. A licensed agent from the firm will then schedule a thorough on-site inspection of the property to assess its unique structural vulnerabilities and drainage profile.

DD
3131 W Alabama St Ste 150
Dean & Draper Insurance Agency, LP
Flood Insurance Agent · Houston, TX

Serving the Houston region, Dean & Draper Insurance Agency, LP provides essential property insurance coverage and offers specialized flood insurance protection. Its agents help property owners understand National Flood Insurance Program policies for residential and commercial assets. The agency assists clients in securing appropriate coverage that addresses local flood zone requirements and potential water damage from severe weather. Its services extend to businesses such as offices, warehouses, and food service operations.

MR
11757 Katy Fwy Suite 1300
Modern Risk Management, LLC
Flood Insurance Agent · Houston, TX

Modern Risk Management, LLC provides residential flood insurance services to homeowners throughout the Houston, TX area, tailoring policies to protect against local storm-surge and heavy-rain events. The agency also offers commercial coverage, assisting property owners in managing their unique flood-exposure risks. After each claim or policy review, the team schedules convenient follow-up check-ins to evaluate any changing coverage needs or property modifications, ensuring readiness until the next regular annual visit is due.

DB
2190 N Loop W Fwy #400
Douglas B Johnson Insurance Agency
Flood Insurance Agent · Houston, TX

Douglas B Johnson Insurance Agency in Houston, TX, is known for helping property owners secure flood insurance coverage in a region prone to heavy rainfall and hurricane-related storm surges. The agency serves both residential and commercial clients seeking policies through the National Flood Insurance Program and private market options. Its local team understands the specific flood zone maps and elevation certificate requirements common throughout the greater Houston area. The agency can also review existing policies to ensure buildings meet current coverage limits and deductibles.

LM
5718 Westheimer Rd Suite 1000
Linda Meyer Insurance Brokerage
Flood Insurance Agent · Houston, TX
(800) 961-4293
lindameyerinsurancebrokerage.com
AI
9660 Hillcroft St Ste 235
Avalon Insurance Agency
Flood Insurance Agent · Houston, TX
(713) 283-5202
avalonins.com
RI
3311 Richmond Ave #350
Rafail Insurance Agency
Flood Insurance Agent · Houston, TX
(713) 429-1790
rafailinsurance.com
AI
6633 Hillcroft Ave Suite 101
AAIGOT Insurance Agency
Flood Insurance Agent · Houston, TX
(713) 270-9373
aaigotinsurance.com
KI
11200 Richmond Ave #350
Kingspoint Insurance Agency
Flood Insurance Agent · Houston, TX
(713) 850-1660
kingspointinsurance.com
HN
6776 Southwest Fwy #444
Houston National Ins Of America
Flood Insurance Agent · Houston, TX
(713) 266-6363
houstonnationalinsurance.com
AI
725 Yale St
Altivo Insurance | Houston Insurance Agency
Flood Insurance Agent · Houston, TX
(713) 324-9020
altivoinsurance.com
TD
12651 Briar Forest Dr Unit 130
Texas Direct Insurance Agency, LP
Flood Insurance Agent · Houston, TX
(281) 558-6000
IO
430 S Texas 6 # 102
Insurance Over Texas Agency, LLC
Flood Insurance Agent · Houston, TX
(281) 752-6704
insuranceovertexas.com
SI
957 E NASA Pkwy
Spears Insurance Group
Flood Insurance Agent · Houston, TX
(281) 909-7064
spearsinsgrp.com
HI
6430 Richmond Ave Suite 250
Houston Insurance Agency, Inc
Flood Insurance Agent · Houston, TX
(713) 787-6000
houstoninsuranceagency.com

What Does a a Flood Insurance Agent in Houston Cost?

Flood insurance costs in Texas vary by property location elevation and coverage amount. NFIP policies average around 700 to 1,200 dollars per year for standard homes. Private flood insurance may cost 400 to 2,000 dollars annually depending on risk factors. This is general information and not insurance advice.

About flood insurance agents in Houston

Flood insurance agents in Houston Texas help homeowners and businesses secure coverage against flood damage. Texas law requires flood insurance disclosures for properties in high-risk zones. Agents guide clients through NFIP policies and private market options specific to Houston flood plains.

Frequently Asked Questions

Do I need flood insurance in Houston Texas?

If your property is in a FEMA-designated Special Flood Hazard Area your lender will require flood insurance. Even outside high-risk zones flooding is common in Houston so coverage is recommended. Texas law does not mandate flood insurance but mortgage lenders often do.

What does a flood insurance agent do in Houston?

A flood insurance agent helps you assess your flood risk and choose between NFIP and private policies. They explain coverage limits deductibles and exclusions. Agents also assist with filing claims and understanding Texas flood disclosure rules.

How long does it take to get flood insurance in Texas?

NFIP policies typically have a 30-day waiting period before coverage begins. Private insurers may offer shorter waiting periods or immediate coverage in some cases. Plan ahead especially during hurricane season in Houston.

Flood Insurance Agents in Other Texas Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each flood insurance agent's credentials and current standing with your state Department of Insurance.