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Compare flood insurance agents in Port Neches. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Port Neches, TX
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Texas before hiring.
Showing 2 flood insurance agents in Port Neches, TX
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Richards Insurance Group
2420 Port Neches Ave Ofc A, Port Neches, TX 77651
(409) 722-9111
richardsinsurancegroup.com
Frank Pritchard Agency
2825 Nall St Ste 19a, Port Neches, TX 77651
(409) 726-8040
pritchardagency.com
Flood insurance agents in Port Neches, Texas help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Port Neches is located in Jefferson County, an area prone to heavy rainfall and storm surge from the Gulf of Mexico. Texas law requires lenders to mandate flood insurance for properties in high-risk flood zones designated by FEMA.
What Does a Flood Insurance Agent in Port Neches Cost?
Flood insurance premiums in Texas vary widely based on risk. A typical NFIP policy for a single-family home in Port Neches may range from 700 to 2,000 dollars per year for low to moderate risk zones. Higher risk zones or older properties can see premiums over 3,000 dollars annually. Private flood insurance may offer different pricing. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance if I live outside a high-risk zone in Port Neches?
Even if your property is in a low or moderate risk zone, flood insurance is recommended. Over 20 percent of NFIP claims come from areas outside high-risk zones. Your agent can help you review your specific flood map designation.
How does a flood insurance agent determine my premium in Port Neches?
Your agent uses the property elevation, flood zone designation, and building characteristics to calculate the premium. Texas follows NFIP rating guidelines, and elevation certificates are often required for accurate pricing.
Is there a waiting period for flood insurance policies in Texas?
Yes, NFIP policies typically have a 30-day waiting period from the date of application before coverage begins. Exceptions apply for new loans or map changes. Your agent can explain the specific rules for your situation.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Texas.