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Flood Insurance in Highlands, 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.

24 flood insurance agencies in Highlands

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

MA

Marek Insurance Agency

Crosby, TX· 6.1 mi
Agency
Very Popular
20+ agents41yr

Texan Insurance is a full‑service, family‑owned independent insurance agency in Crosby, Texas, serving families and businesses with personalized coverage options across home, auto, flood, umbrella, renters, life, and commercial lines. The agency continues the legacy of the former Marek Insurance and partners with over 40 top‑rated carriers.

AutoHomeownersRentersUmbrella+4 more
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TA

TIA- Texas Insurance Agency/Uvalde Insurance Agency

Houston, TX· 8.0 mi
Agency
Very Popular
10+ agents27yr

Trusted Texas Insurance Agency since 1999, offering affordable coverage and free quotes for individuals, families, and businesses across Texas. The independent agency compares multiple carriers to find policies that fit each client’s needs.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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KL

KleeCo Insurance Agency LLC

Deer Park, TX· 10.5 mi
Agency
New on InsurConnect
20+ agents

KleeCo Insurance advises high‑net‑worth individuals and families on personal insurance coverage. They partner with top private‑client insurers to provide solutions such as auto, yacht, umbrella, flood and valuable‑possessions protection. The agency emphasizes personalized service and a comprehensive risk‑management approach.

AutoBoatCommercial GLFlood+3 more
Carriers: AIG PROPERTY CASUALTY COMPANY, Cincinnati Casualty Company, The, Cincinnati Indemnity Company, The +1
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HA

Harlan Insurance Agency

Deer Park, TX· 10.5 mi
Agency
6+ agents22yr

Harlan Insurance Agency, founded in 2004 by Bruce Harlan, is an independent agency serving Greater Houston. They provide personalized insurance solutions for individuals and businesses, focusing on home, auto, life, flood, commercial and specialty coverages. With over 20 years of experience they partner with top‑rated carriers to offer competitive options.

AutoHomeownersRentersCommercial GL+5 more
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EH

Erik Hirsch - GEICO Insurance Agent

Baytown, TX· 4.5 mi
Agency
Very Popular

Licensed insurance agency in Baytown, TX; represents 1 carrier.

Spanish
AutoHomeownersRentersMotorcycle+6 more
Carriers: GEICO
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MA

Mike Cooksley Insurance Agency

La Porte, TX· 12.4 mi
Agency
New on InsurConnect
20+ agents

Cooksley Insurance provides personal insurance agents offering peace of mind, flexible coverage and dedicated service. Based in La Porte, Texas, the agency offers a range of policies including auto, homeowners, commercial, motorcycle, boat and flood insurance. The team is led by Mike Cooksley, an independent agent with over 23 years of industry experience.

AutoBoatCommercial GLFlood+4 more
Carriers: Agricultural Workers Mutual Auto Insurance Company, American Family Home Insurance Company, Auros Reciprocal Insurance Exchange +21
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SA

Southern Group Insurance Agency

Pasadena, TX· 12.5 mi
Agency
Popular
6+ agents

Southern Group is an independent insurance agency in Pasadena, Texas offering flexible coverage across auto, home, flood, business, and life insurance. They shop multiple carriers to find the best cost and coverage combination and emphasize quick quoting, personal service, and claims advocacy.

AutoCommercial GLFloodHomeowners+3 more
Carriers: AMFIRST INSURANCE COMPANY, American General Life Insurance Company, Dearborn Life Insurance Company +4
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TI

TWFG Ratliff Insurance

Baytown, TX· 8.2 mi
Agency
3-5 agents

TWFG Ratliff Insurance is an independent, family‑run agency offering a range of personal and commercial insurance solutions. They provide auto, home, renters, life, retirement, and other coverage options to individuals and families. The agency emphasizes caring service and works with multiple carriers to find the right policy.

Spanish
AutoHomeownersRentersLife+6 more
Carriers: Allstate, Progressive, Travelers +8
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TA

TIA- Texas Insurance Agency

Houston, TX· 8.4 mi
Agency
Very Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency serving Texas since 1999, helping individuals, families, and businesses obtain affordable auto, home, and commercial coverage. They compare multiple carriers to find tailored policies and emphasize personalized service and community outreach.

Spanish
AutoMotorcycleHomeownersRenters+4 more
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HC

Harris County Insurance Center - Baytown, Texas

Baytown, TX· 6.9 mi
Agency
Popular
1-2 agents19yr

Harris County Insurance is an independent agency serving Houston, Baytown, and Pasadena, Texas. They shop multiple carriers to provide personalized quotes for auto, home, boat, motorcycle, and other personal and commercial lines. The agency emphasizes experience and a one‑stop shop for insurance needs.

Spanish
AutoHomeownersRentersCommercial GL+7 more
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY, ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY +145
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TA

TIA- Texas Insurance Agency

Pasadena, TX· 11.7 mi
Agency
Very Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that provides affordable auto, home, and business insurance across Texas. They compare multiple carriers to find coverage that fits individual and commercial needs, offering free quotes and personalized service.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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RG

Ray Grayson - State Farm Insurance Agent

Baytown, TX· 12.0 mi
Agency
Very Popular
1-2 agents

Ray Grayson is a State Farm insurance agent serving Mont Belvieu and surrounding Texas Gulf Coast communities. He offers a range of personal and business insurance products, including auto, homeowners, renters, life, motorcycle, boat and flood coverage. Ray emphasizes local service and community involvement.

Spanish
AutoBoatCommercial GLFlood+5 more
Carriers: State Farm
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HC

Harris County Insurance Center

Channelview, TX· 8.7 mi
Agency
1-2 agents19yr

Harris County Insurance is an independent agency serving Houston, Baytown, and Pasadena, Texas. They shop multiple carriers to provide personal lines like auto, homeowners, and boat, as well as commercial and life/health coverage. The agency emphasizes experience and customized quotes for individuals and businesses.

Spanish
AutoHomeownersRentersCommercial GL+7 more
Carriers: Allstate
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CI

Covey Insurance

Humble, TX· 12.7 mi
Agency
Very Popular
1-2 agents

Covey Insurance — We Give You Options! We provide ANY Texas resident with the best insurance plans for the money! Our dedicated professionals have experience in providing the most affordable insurance options. Whether you are a young driver or don't have a perfect driving record, Covey Insurance wants to help you get the coverage you need.

AutoHomeownersRentersCommercial GL+5 more
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TA

TIA- Texas Insurance Agency

Pasadena, TX· 13.3 mi
Agency
Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable coverage. They compare multiple carriers to match customers with auto, homeowners, renters, commercial, and specialty policies. The agency emphasizes bilingual service and personalized support.

Spanish
AutoHomeownersRentersCommercial GL+5 more
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JI

Joe Hambrick III - State Farm Insurance Agent

La Porte, TX· 11.6 mi
Agency
1-2 agents

Joe Hambrick State Farm is a locally owned agency serving La Porte and surrounding Texas counties. With over 100 years of combined experience among the staff, they offer personalized insurance solutions for auto, home, life, flood, motorcycle, and boat coverage. The agency emphasizes community service, pet‑friendly offices, and additional services like notary assistance.

AutoBoatCommercial GLFlood+5 more
Carriers: State Farm
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TA

TIA- Texas Insurance Agency

Pasadena, TX· 14.8 mi
Agency
Very Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency serving Texas since 1999, offering affordable coverage for individuals, families, and businesses. They compare multiple carriers to match customers with the right policies and provide free, no‑obligation quotes.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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LA

Lee Insurance Agency: Personal & Business Insurance

Humble, TX· 13.5 mi
Agency
Popular
1-2 agents74yr

Lee Insurance Agency, based in Atascocita, TX, offers personalized insurance solutions for homes, autos, and businesses, emphasizing trust, affordability, and exceptional service. Founded in 1952, the agency works with top insurers to tailor coverage to individual needs and budgets.

AutoCommercial GLCommercial PropertyFlood+3 more
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TA

TIA- Texas Insurance Agency

Pasadena, TX· 13.4 mi
Agency
Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses find affordable insurance coverage across Texas. They compare multiple carriers to provide auto, homeowners, renters, business and specialty policies.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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AT

AIM Insurance of Texas - Houston

Houston, TX· 14.9 mi
Agency
Popular
1-2 agents43yr

Aim Insurance of Texas is an independent agency founded in 1983 that offers a range of personal and commercial insurance products, emphasizing affordable rates and personalized coverage. Based in Pasadena, TX, the agency serves the Houston‑Pasadena area and the entire state of Texas.

AutoCommercial GLCommercial PropertyFlood+4 more
Carriers: ACCC Insurance Company, Accident Insurance Company, Inc., Agricultural Workers Mutual Auto Insurance Company +34
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AI

Affordable Quality Insurance

Pasadena, TX· 13.8 mi
Agency
Very Popular
1-2 agents

Affordable Quality Insurance provides affordable and comprehensive insurance solutions for Texas residents, serving both individuals and businesses with a range of coverage options including auto, home, flood, life, health, and commercial policies.

AutoCommercial GLCommercial PropertyFlood+4 more
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TA

Turrentine Insurance Agency

La Porte, TX· 11.4 mi
Agency
1-2 agents23yr

Turrentine Insurance Agency is an independent insurance agency serving customers in Houston and across the Harris County area. Established in 2003 as a captive Farmers agency, it became independent in 2014 and works with several top carriers to deliver policy quotes.

Spanish
AutoHomeownersRentersCommercial GL+6 more
Carriers: GEICO County Mutual Insurance Company, GEICO Texas County Mutual Insurance Company, Homeowners Reciprocal Exchange, The
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HI

Harris County Insurance - Deer Park

Deer Park, TX· 11.2 mi
Agency
New on InsurConnect
1-2 agents19yr

Harris County Insurance is an independent agency serving Houston, Baytown, and Pasadena, Texas. They shop multiple carriers to provide auto, home, boat, motorcycle, RV, condo, renters, umbrella, flood, and manufactured home coverage, as well as commercial and life/health insurance options. The agency emphasizes personalized service and many years of experience in both personal and business insurance.

Spanish
AutoHomeownersRentersCommercial GL+7 more
Carriers: Allstate
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AI

AAAA Insurance

Pasadena, TX· 13.4 mi
Agency
1-2 agents32yr

AAAA Insurance is a family‑owned, independent agency serving the greater Houston metro area with auto, home, and commercial insurance. Founded in 1994, it has grown from a single office to over 15 locations across Houston, Pasadena and Katy. The agency emphasizes customer service and offers a wide range of coverage options.

Spanish
AutoHomeownersRentersCommercial GL+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.