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Flood Insurance in Katy, 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.

Flood insurance in Katy, TX: 24 licensed insurance agencies serve 24,117 residents in Harris, Fort Bend, and Waller counties. auto premiums average $2,800 per year — 2% above the Texas state average. hurricane + wind + flood drives 45% of homeowner claims.

24 flood insurance agencies in Katy

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

MM

MCN Multiservices

Katy, TX· 1.9 mi
Agency
Very Popular
20+ agents20yr

MCN Multiservices is an independent insurance agency serving Harris and Fort Bend Counties, West Houston, and Katy for over 20 years. They offer personal and commercial insurance, tax preparation, and additional services with a focus on personalized, hassle‑free service.

Portuguese, Spanish
AutoHomeownersRentersFlood+6 more
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TA

TIA-Texas Insurance Agency

Katy, TX· 0.9 mi
Agency
Popular
10+ agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable coverage by comparing multiple carriers. They offer a range of personal and commercial insurance solutions and emphasize personalized service and quick quotes.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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DA

DLG Insurance Agency

Katy, TX· 4.0 mi
Agency
Very Popular
20+ agents

DLG Insurance Agency serves Katy and the surrounding Texas communities, helping consumers save money, businesses reduce risk, and families protect their financial future. The agency offers a wide range of insurance products, from auto and home to life and disability coverage.

AutoBoatCommercial GLDisability+6 more
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY, ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY +70
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HT

Home Insurance Solutions of Texas - Equity Insurance Group

Katy, TX· 6.2 mi
Agency
Very Popular
20+ agents

Equity Insurance Group in Katy, Texas offers personalized insurance shopping, comparing over 80 carriers to find competitive rates for auto, home, renters, and other coverages. They emphasize real‑person support, easy claims assistance, and a free no‑obligation evaluation.

AutoHomeownersRentersCommercial GL+3 more
Carriers: National General, The Hartford, Safeco +7
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CT

Commercial Insurance Services of Texas

Katy, TX· 4.2 mi
Agency
Popular
10+ agents

Commercial Insurance Services of Texas is an independent insurance agency serving Katy, Pearland, and Houston, focused on providing business insurance solutions with a strong emphasis on customer service. They partner with multiple carriers to offer comprehensive coverage for commercial and personal policies.

AutoBoatCommercial GLFlood+5 more
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AI

AAAA Auto Insurance

Katy, TX· 2.6 mi
Agency
10+ agents32yr

AAAA Insurance is a family‑owned independent agency serving the greater Houston Metro area. It has been operating since 1994 and has grown from one office to more than 15 locations. The agency focuses on providing friendly, customer‑first service for auto, home and commercial insurance needs.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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TI

TS Insurance

Katy, TX· 5.6 mi
Agency
Very Popular
6+ agents

TS Insurance is a local agency serving Katy and the surrounding Texas communities, offering personal and commercial insurance solutions. They emphasize protecting clients like family and provide a range of coverage options. The agency highlights quick online quotes and personalized service.

Spanish
AutoBoatCommercial GLCommercial Property+6 more
Carriers: Gerber Life Insurance Company
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TB

TWFG Insurance Services, Katlyn Brenneise

Cypress, TX· 10.8 mi
Agency
Very Popular
10+ agents

Katlyn Brenneise’s TWFG agency offers personalized insurance solutions, emphasizing caring service for individuals, families, and businesses. The team highlights a commitment to community and customer protection across a range of policies.

Spanish
AutoBoatCommercial GLFlood+5 more
Carriers: SageSure, State Auto, TWIA +5
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KA

Katy Insurance Agency

Katy, TX· 6.2 mi
Agency
20+ agents111yr

Katy Insurance Agency, Inc., founded in 1915 and owned by J. W. “Skip” Conner since 1976, is an independent agency serving Katy and the Greater Houston area. They provide a broad range of insurance products and partner with multiple carriers to meet client needs.

AutoCommercial GLFloodHomeowners+2 more
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CT

Cypress Insurance Team

Cypress, TX· 11.6 mi
Agency
Very Popular
20+ agents18yr

Cypress Insurance Team is a Texas‑based agency offering a range of insurance products including auto, homeowners, life, renters, flood and umbrella coverage. With over 50 top‑rated carriers and more than 18 years of experience, they emphasize personalized service and competitive pricing.

AutoHomeownersLifeRenters+4 more
Carriers: American General Life Insurance Company, American Risk Insurance Company, Inc., Centauri Specialty Insurance Company +30
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IU

Insure US

Cypress, TX· 10.4 mi
Agency
Very Popular
10+ agents

InsureUS is an independent insurance agency in Cypress, Texas that offers a variety of personal and commercial insurance products, including auto, home, renters, flood, motorcycle, boat, and commercial coverage. They compare quotes from multiple carriers to help clients find competitive rates.

AutoBoatCommercial GLFlood+4 more
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BA

Bluebonnets Of Texas Insurance Agency

Cypress, TX· 12.2 mi
Agency
New on InsurConnect
10+ agents8yr

Bluebonnets Of Texas Insurance Agency, Inc. provides personal and commercial insurance solutions including auto, home, umbrella, flood, life, and business coverage. Founded in 2018, the agency is led by Karimy Castillo with 21 years of industry experience, offering personalized service in English and Spanish.

Spanish
AutoHomeownersRentersCommercial GL+4 more
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CA

Charles Osburn Insurance Agency

Tomball, TX· 14.6 mi
Agency
Very Popular
6+ agents25yr

The Charles Osburn Insurance Agency, based in Tomball, Texas, offers a one‑stop shop for auto, homeowners, renters, life, health, flood, commercial, disability, RV, boat and motorcycle insurance, leveraging over 24 years of experience.

AutoBoatCommercial GLCommercial Property+7 more
Carriers: Agricultural Workers Mutual Auto Insurance Company, AmTrust Insurance Company, American Economy Insurance Company +67
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BA

Brightway Insurance, The Williams Family Agency

Richmond, TX· 10.3 mi
Agency
New on InsurConnect
10+ agents

Brightway Insurance offers a modern, independent approach to insurance, connecting customers with local agents who customize quotes across many carriers. They emphasize trust, fast response, and personalized service to help clients secure the right coverage.

AutoBoatCommercial GLFlood+5 more
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AA

Acrisure Digital Solutions / Rockland Insurance Agency

Richmond, TX· 14.5 mi
Agency
Very Popular
20+ agents

Acrisure is an insurance and business solutions provider that offers personalized coverage for individuals and companies of all sizes. They connect customers to a range of insurance options, including home, auto, flood, health, and life policies, using advanced technology for quick quotes. Their focus is on delivering tailored solutions backed by industry expertise.

AutoCommercial GLFloodHomeowners+3 more
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VL

Veronica Lynd - GEICO Insurance Agent

Katy, TX· 4.8 mi
Agency
85yr

GEICO Insurance Agency offers a variety of insurance products including auto, homeowners, renters, motorcycle, boat, commercial, umbrella, life, flood, and earthquake coverage, with online quotes and policy management tools.

Spanish
AutoHomeownersRentersMotorcycle+6 more
Carriers: GEICO, American Modern Insurance Group, Assurant +2
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CT

Cypress Insurance TWFG

Cypress, TX· 8.9 mi
Agency
No reviews yet
10+ agents

Cypress Insurance TWFG is an independent Texas insurance agency offering a wide range of personal and commercial coverage options. They represent multiple carriers and aim to educate and serve the Cypress community with dedicated agents for auto, home, business, life, and specialty policies.

AutoHomeownersRentersCommercial Property+10 more
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WG

Wiemers Insurance Group

Katy, TX· 5.1 mi
Agency
Very Popular
1-2 agents

Wiemers Insurance Group is the largest independent insurance agency in Katy, Texas, offering a wide range of insurance products including home, auto, business, life, health, and pet coverage.

AutoCommercial GLFloodHomeowners+3 more
Carriers: AETNA HEALTH AND LIFE INSURANCE COMPANY, ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY +40
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CG

Cash & Forbes Insurance Group

Sugar Land, TX· 7.6 mi
Agency
Very Popular
1-2 agents8yr

Cash & Forbes Insurance Group is an independent insurance agency founded in 2018 that offers personal and business insurance solutions to individuals, families, and businesses throughout Texas.

AutoHomeownersRentersFlood+5 more
Carriers: ASI Lloyds, Access Home Insurance Company, Ace American Insurance Company +84
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MA

Memorial Insurance Agency

Houston, TX· 7.6 mi
Agency
Very Popular
1-2 agents8yr

Cash & Forbes Insurance Group is an independent insurance agency founded in 2018 that serves Texas families and businesses with a variety of personal and commercial insurance solutions. The agency merged with Memorial Insurance Agency and operates out of Houston, TX, offering auto, home, renters, flood, boat, and business coverage.

AutoHomeownersRentersCommercial GL+5 more
Carriers: Ace American Insurance Company
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KJ

Kyle Jungels - State Farm Insurance Agent

Cypress, TX· 7.4 mi
Agency
Very Popular
1-2 agents

Kyle Jungels is a 3rd‑generation State Farm agent serving Cypress, TX and the greater Houston area. The agency offers a range of insurance products including auto, homeowners, renters, life, health, pet, and commercial coverage. They emphasize community service and provide 24‑hour support.

Spanish
AutoHomeownersRentersLife+5 more
Carriers: State Farm
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TH

Troy Hooper - State Farm Insurance Agent

Cypress, TX· 8.6 mi
Agency
Very Popular
1-2 agents6yr

Troy Hooper State Farm Agency proudly serves families, individuals, and businesses throughout Cypress, Katy, Tomball, Spring, The Woodlands and the Houston metropolitan area, offering a full range of personal and commercial insurance products.

Spanish
AutoHomeownersRentersFlood+5 more
Carriers: State Farm
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PL

PC Insurance LLC

Katy, TX· 6.2 mi
Agency
3-5 agents

We are a dynamic insurance company, fueled by our dedication to business and empowering our clients through education. As a family‑owned enterprise with four equal partners boasting over 20 years of combined experience in sales and customer service, we bring a wealth of expertise to the table. Our entire team is bilingual, ensuring a seamless and trustworthy customer experience for our Hispanic market.

Spanish
AutoCommercial GLCommercial PropertyFlood+4 more
Carriers: AmTrust Insurance Company, GEICO County Mutual Insurance Company, GEICO Texas County Mutual Insurance Company +15
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FP

First Choice Insurance Partners

Katy, TX· 6.9 mi
Agency
Very Popular
1-2 agents

First Choice Insurance Partners is an independent insurance agency based in Texas with offices in Katy, Sugar Land, and Manvel. They provide personal, business, and life‑and‑health insurance solutions, focusing on personalized service and helping clients save on home, auto, and commercial policies.

AutoCommercial GLCommercial PropertyFlood+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.