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Flood Insurance in Clute, 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.

13 flood insurance agencies in Clute

Within 15 miles of Clute, TX. Click any agency to view profile, contact info, and request a quote.

TK

Tim Keefe - State Farm Insurance Agent

Lake Jackson, TX· 2.0 mi
Agency
Very Popular
1-2 agents18yr

Tim Keefe State Farm offers a full range of insurance products—including auto, homeowners, renters, life, business, flood, motorcycle and boat coverage—to customers throughout Texas and Brazoria County. With 18 years of experience, a 4.9/5 Google rating, and bilingual service in English and Spanish, the agency emphasizes personal relationships and community involvement.

Spanish
AutoBoatCommercial GLFlood+5 more
Carriers: State Farm
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WR

Wayne Reitmeyer - State Farm Insurance Agent

Lake Jackson, TX· 2.0 mi
Agency
Popular
1-2 agents25yr

Wayne Reitmeyer has been a State Farm agent since 1984 and operating his agency in Lake Jackson since 2001, serving over 2,400 families across Texas. His team focuses on a range of insurance needs including auto, renters, life, flood, windstorm and commercial coverage. They invite customers to call, text or visit for personalized quotes.

Spanish
AutoBoatCommercial GLFlood+5 more
Carriers: State Farm
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BS

Best Insurance Services

Lake Jackson, TX· 2.9 mi
Agency
Very Popular
1-2 agents

Best Insurance Services, Inc. provides auto, home, and business insurance in Lake Jackson and Bay City, Texas, and also offers coverage for RVs, ATVs, boats, motorcycles, and personal watercraft. They are one of the few local agents that write Progressive and Geico policies for autos, tailoring coverage to each client’s needs.

Spanish
AutoBoatCommercial GLCommercial Property+5 more
Carriers: Progressive, Geico
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BI

Blanchard Insurance

Angleton, TX· 9.1 mi
Agency
6+ agents

Blanchard Insurance is a local Texas Gulf Coast agency offering personalized insurance solutions. They provide auto, home, renters, flood, and business coverage with a focus on competitive rates and responsive support. The agency emphasizes lasting client relationships and community service.

AutoCommercial GLCommercial PropertyFlood+3 more
Carriers: Agricultural Workers Mutual Auto Insurance Company, Alinsco Insurance Company, Aventus Insurance Company +26
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UT

Umbrella Insurance TX

Lake Jackson, TX· 4.1 mi
Agency
New on InsurConnect
1-2 agents

Ware Insurance offers fast, free quotes for auto and homeowners insurance, helping customers compare options quickly and potentially save money.

AutoHomeownersCommercial GLBoat+4 more
Carriers: AllState, Bristol West Auto, Cover +11
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WI

Ware Insurance

Lake Jackson, TX· 4.1 mi
Agency
No reviews yet

Ware Insurance is an independently ran insurance agency that prioritizes customers above all else. As an independent agency they work with many highly rated carriers to match clients with the right coverage across property, casualty, and life products. They offer a range of insurance solutions including auto, home, commercial, boat, flood, renters, umbrella, life, annuities, disability and long‑term care.

AutoHomeownersRentersCommercial GL+4 more
Carriers: AllState, Bristol West Auto, Cover +11
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AI

Acrisure Lake Jackson, TX (The Hester Group Inc.)

Lake Jackson, TX· 3.5 mi
Agency
1-2 agents

Acrisure provides both business and personal insurance solutions, leveraging technology to connect customers with a range of insurance options quickly. They offer products such as home, auto, flood, health, and life insurance, as well as comprehensive solutions for small to large companies.

AutoCommercial GLFloodHomeowners+3 more
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SG

Smith Insurance Group

Angleton, TX· 9.3 mi
Agency
New on InsurConnect
25yr

Smith Insurance Group is a full‑service independent insurance agency providing personal and commercial insurance throughout Brazoria County. Established in 2001, they focus on comprehensive consultation and tailored insurance solutions for families and businesses.

AutoBoatCommercial GLDisability+5 more
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HP

Hagan Risk Partners

Angleton, TX· 10.7 mi
Agency
Very Popular
1-2 agents

Hagan Risk Partners is an independent insurance agency based in Angleton, Texas, offering both personal and commercial insurance solutions. They emphasize local service, education, and personalized coverage across a range of products. The agency works with multiple carriers to find the best combination of cost and coverage for clients.

AutoBoatCommercial GLCommercial Property+5 more
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY, ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY +109
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NI

NavSav Insurance - Angleton

Angleton, TX· 9.5 mi
Agency
Popular
1-2 agents

NavSav Insurance helps individuals and businesses find the right insurance policies for their needs, offering options such as home, auto, renters, life, and commercial coverage. Their agents emphasize personalized service, bundling options, and quick response to client requests.

AutoBoatCommercial GLCommercial Property+9 more
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CA

Chris Mendoza Insurance Agency

Angleton, TX· 12.1 mi
Agency
1-2 agents25yr

Chris Mendoza Insurance Agency has been serving Brazoria, Harris, Fort Bend, and Galveston counties for over 25 years. The agency helps consumers save money, businesses reduce risk, and families protect their future. Their mission is to provide reliable, personalized insurance solutions.

AutoBoatCommercial GLFlood+4 more
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NA

Neal Insurance Agency

Angleton, TX· 9.9 mi
Agency
New on InsurConnect

Hagan Risk Partners is an independent insurance agency in Angleton, Texas offering personal and commercial insurance solutions, including auto, home, renters, boat and flood coverage. They emphasize personalized service, local expertise, and access to multiple carriers.

AutoBoatCommercial GLFarm+4 more
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GI

Goosehead Insurance - Bill Jaquay

Angleton, TX· 12.0 mi
Agency
Popular
1-2 agents

Goosehead Insurance provides smarter insurance by designing coverage options for home, auto, renters, boat, motorcycle and flood protection. They compare policies from over 200 carriers to find the best fit and price for customers.

AutoBoatCommercial GLFlood+4 more
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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.