Flood Insurance in Keene, 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.
4 flood insurance agencies in Keene
Within 15 miles of Keene, TX. Click any agency to view profile, contact info, and request a quote.
Lone Star Insurance Agency
Lonestar Insurance Agency serves all of Texas with offices in Burleson and Cleburne, offering personal service for auto, homeowners, renters, flood and business insurance. Their staff emphasizes finding the best coverage and price by working with multiple carriers.
Danwilsh Low Cost Auto Insurance Network
Freedom Insurance is an independent agency offering auto, home, landlord, and business insurance with free online quote tools, policy reviews, and educational resources across Texas, Colorado, Missouri, and Tennessee.
Eric Matthews Insurance - TWFG
Eric Matthews Insurance Agency, a veteran‑owned firm in Burleson, Texas, has served the Johnson County community for over 75 years. Branch owner Eric Matthews brings more than 27 years of insurance experience, offering a range of personal and commercial insurance products.
Platinum Insurance LLC
Platinum Insurance LLC serves Johnson County and the surrounding Texas communities by protecting the people we work with just like we protect our own family members. We are in the business of helping people, saving consumers money, reducing business risk, and preserving families' financial future.
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.