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Find Flood Insurance Agents Near You in Waco, TX

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

The top-rated flood insurance agent in Waco, Texas is Matt Dill - State Farm Insurance Agent, rated 5.0 stars across 356 reviews. Other highly rated options include Freeway Insurance, Pronto Insurance, Baker and Carey Insurance Agency. This directory lists 19 flood insurance agents serving Waco.

Showing 19 flood insurance agents in Waco, TXListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Matt Dill - State Farm Insurance Agent1221 Hewitt Dr Suite C(254) 752-2022
2Freeway Insurance800 N Valley Mills Dr(254) 859-4019
3Pronto Insurance1709 S Valley Mills Dr(254) 752-7526
4Baker and Carey Insurance Agency2601 Franklin Ave(254) 755-7727
5HighView Insurance Group510 N Valley Mills Dr Ste 503(254) 339-6606
6A-MAX Auto Insurance2500 W Waco Dr(254) 752-8000
7Herman Bell Insurance Agency2118 La Salle Ave(254) 756-0691
8Browder General Insurance Agency Inc4800 Lakewood Dr #3(254) 776-1582
9Vista Insurance2800 W Waco Dr(254) 235-8000
10Greater Waco Insurance Solutions7530 Bosque Blvd Suite #D(254) 751-1254
MD
1221 Hewitt Dr Suite C
Matt Dill - State Farm Insurance Agent
Flood Insurance Agent · Waco, TX

Matt Dill - State Farm Insurance Agent serves the Waco, Texas metro area and surrounding McLennan County as a local flood insurance agent. The agency helps residential and commercial property owners understand the importance of flood coverage, which is often excluded from standard homeowners policies. They guide clients through the process of assessing their property’s flood risk and selecting appropriate policy limits. Services handled here include new flood insurance policy applications and policy reviews for existing customers.

FI
800 N Valley Mills Dr
Freeway Insurance
Flood Insurance Agent · Waco, TX

Freeway Insurance in Waco, Texas provides flood insurance coverage to residential and commercial property owners navigating the National Flood Insurance Program. The agency assists clients in Woodway, Hewitt, and surrounding McLennan County areas with policies that protect against rising water damage and overflow risks. Standard services include risk assessments, policy comparisons, and claims guidance for flood-related losses. An additional specialty involves adjusting deductibles for properties located in high-risk flood zones.

PI
1709 S Valley Mills Dr
Pronto Insurance
Flood Insurance Agent · Waco, TX

Pronto Insurance serves the Waco, Texas, metro area and surrounding McLennan County as a Flood Insurance Agent. The company helps property owners navigate the specific requirements of flood coverage, a necessity given the region’s susceptibility to heavy rain and river overflow. Policies are secured through the National Flood Insurance Program to protect homes and businesses from water damage. The agency handles residential flood policies and commercial flood insurance for local structures.

BC
2601 Franklin Ave
Baker and Carey Insurance Agency
Flood Insurance Agent · Waco, TX

Offering a comprehensive range of flood insurance services and consulting, Baker and Carey Insurance Agency helps property owners in Waco, TX, secure vital flood protection. The agency provides standard service plans that include policy reviews and renewal management, ensuring clients maintain continuous coverage. Regular maintenance is conducted to update risk assessments based on flood zone changes and local floodplain maps. The team works with single-family homes, apartments, retail spaces, and restaurants to safeguard their investments against flood damage and rising water risks.

HI
510 N Valley Mills Dr Ste 503
HighView Insurance Group
Flood Insurance Agent · Waco, TX

HighView Insurance Group serves homeowners, businesses, and property managers in Waco, Texas, helping them secure flood insurance policies to protect against water damage from heavy rains and rising rivers. The agency guides clients through the complexities of federal and private flood coverage options. Understanding the specific flood risks in the area, they work to find appropriate policies for residential, commercial, and rental properties. Their service area also extends to the neighboring community of Woodway.

MA
2500 W Waco Dr
A-MAX Auto Insurance
Flood Insurance Agent · Waco, TX

A-MAX Auto Insurance provides flood insurance policies in Waco, Texas, covering damages from rising water and storm surges. Its service plans include risk assessments to determine appropriate coverage levels and regular policy reviews to adjust limits for changing flood zones. The company maintains straightforward renewals to keep protection current throughout the year. It serves single-family homes, apartments, retail establishments, and restaurants in the local area.

HB
2118 La Salle Ave
Herman Bell Insurance Agency
Flood Insurance Agent · Waco, TX

Serving Waco and the surrounding communities of Central Texas, Herman Bell Insurance Agency handles flood insurance for residential and commercial properties. The agency guides clients through the process of securing essential coverage for flood-prone areas. Evaluating each property’s specific risk factors allows it to provide relevant policy options. To manage a typical job, the agency explains coverage limits and assists with paperwork, ensuring clients understand their policy before enrolling.

BG
4800 Lakewood Dr #3
Browder General Insurance Agency Inc
Flood Insurance Agent · Waco, TX

Browder General Insurance Agency Inc specializes in providing flood insurance coverage for properties in the Waco area. The agency guides clients through the process of securing policies that protect against water damage. It offers general insurance services to address a range of personal and commercial needs. This work becomes particularly important during periods of heavy rainfall, when the Brazos River and area creeks can rise and threaten homes and businesses with flooding.

VI
2800 W Waco Dr
Vista Insurance
Flood Insurance Agent · Waco, TX

Homeowners considering flood coverage can choose between a one-time policy purchase for specific high-risk events or a scheduled recurring plan that ensures continuous protection year-round. Vista Insurance in Waco, TX, helps property owners evaluate these options, tailoring coverage to match their distinct flood exposure and budget needs. Their guidance addresses local flooding patterns and federal program requirements common in Central Texas. For service, representatives meet with clients on an as-needed basis, scheduling appointments when community flood map updates or property changes prompt a review.

GW
7530 Bosque Blvd Suite #D
Greater Waco Insurance Solutions
Flood Insurance Agent · Waco, TX

In Waco’s unpredictable spring storm season, flood risks can escalate quickly for homes and businesses along the Brazos River corridor. Greater Waco Insurance Solutions works with local property owners to address this exposure, offering flood insurance policies that cover structures and contents for qualifying damage. For those purchasing a higher-risk property, the agency reviews the federal flood zone designation and the required level of coverage. An initial property inspection is then scheduled, allowing agents to assess the site before finalizing any policy details.

SI
4714 W Waco Dr
Schmidt Insurance Group
Flood Insurance Agent · Waco, TX
(254) 294-6007
schmidtinsurancegroup.net
EI
100 N 6th St #201
Elite Insurance Group
Flood Insurance Agent · Waco, TX
(254) 799-9616
insurewithelite.com
GI
7101 Bosque Blvd Suite E
Goosehead Insurance - Kyle Davis
Flood Insurance Agent · Waco, TX
(254) 651-1620
goosehead.com/agents/tx/waco/kyle-davis
FI
200 Hwy 6 STE 330A
Fortress Insurance Group
Flood Insurance Agent · Waco, TX
(254) 262-3180
fortressinsurancegrp.com
BC
1521b Wooded Acres Dr
Best Coverage Agency TX
Flood Insurance Agent · Waco, TX
(254) 863-8903
HW
7528 Bosque Blvd
Higginbotham - Waco
Flood Insurance Agent · Waco, TX
(254) 751-1710
higginbotham.com/locations/waco
IA
105 Old Hewitt Rd ste 200-400
Insurance Agent Reece Flood
Flood Insurance Agent · Waco, TX
(281) 782-3846
highandassociates.net
IT
225 S 5th St
Insurors of Texas
Flood Insurance Agent · Waco, TX
(254) 759-3701
insurorsoftexas.com
TF
4800 Lakewood Dr Suite 4B
Texas First State Insurance Plus Agency
Flood Insurance Agent · Waco, TX
(254) 399-5109
texasfirstagency.com

What Does a a Flood Insurance Agent in Waco Cost?

Typical flood insurance costs in Texas range from 500 to 2,500 per year for an NFIP policy, depending on flood zone, building value, and deductible. Private market policies may cost more or less. Premiums are set by federal or private rate tables, not by the agent. This is general information and not insurance advice.

About flood insurance agents in Waco

Flood insurance agents in Waco Texas help property owners secure coverage through the National Flood Insurance Program or private carriers. Texas law requires flood insurance disclosures for certain real estate transactions, and Waco properties near the Brazos River may face higher flood risks. An agent can explain policy limits, waiting periods, and elevation certificate requirements specific to your location.

Frequently Asked Questions

Do I need flood insurance if I live outside a flood zone in Waco?

Even properties outside mapped high-risk zones can flood. Texas law does not require flood insurance outside a special flood hazard area, but lenders may still require it. An agent can help you assess your risk and find affordable coverage.

How long is the waiting period for a new flood insurance policy in Texas?

Standard NFIP policies have a 30-day waiting period from application date before coverage begins. Exceptions exist for flood map changes or mortgage requirements. An agent can confirm the exact effective date for your policy.

Can I buy flood insurance for a rental property in Waco?

Yes, flood insurance is available for residential and commercial rental properties in Texas. Coverage limits and premiums differ from owner-occupied homes. An agent can explain the options for insuring your rental income and building structure.

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.