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Flood Insurance in Richmond, 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 Richmond

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

AA

Acrisure Digital Solutions / Rockland Insurance Agency

Richmond, TX· 2.7 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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CA

Cornerstone Insurance Agency

Rosenberg, TX· 7.6 mi
Agency
Popular
10+ agents17yr

Cornerstone Insurance Agency offers personalized insurance solutions with over 150 carrier options, focusing on home, auto, life, farm and business coverage for clients in Texas and Oklahoma. With more than 17 years of experience, they emphasize human‑first service and tailored guidance for individuals and high‑risk industries.

AutoCommercial GLCommercial PropertyDisability+6 more
Carriers: ASI Lloyds, Acceptance Casualty Insurance Company, Agricultural Workers Mutual Auto Insurance Company +51
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DA

DuVal Insurance Agency

Richmond, TX· 3.5 mi
Agency
20+ agents

DuVal Insurance Agency provides a range of insurance plans to residents in Richmond, Katy and the Greater Houston Area. They offer coverage for home, auto, boat, life, flood, umbrella and commercial needs, helping families and businesses protect their assets.

AutoBoatCommercial GLFlood+4 more
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BA

Brightway Insurance, The Williams Family Agency

Richmond, TX· 3.5 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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DA

DLG Insurance Agency

Katy, TX· 9.7 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· 10.3 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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TI

TS Insurance

Katy, TX· 8.5 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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CT

Commercial Insurance Services of Texas

Katy, TX· 9.6 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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MM

MCN Multiservices

Katy, TX· 13.9 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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VD

Vahn Doctolero - State Farm Insurance Agent

Richmond, TX· 3.2 mi
Agency
Very Popular
1-2 agents9yr

With over 24 years of experience in the insurance industry, Vahn Doctolero opened his State Farm agency in August 2017 in Richmond, Texas. The agency offers a range of insurance products including auto, homeowners, renters, life, flood, motorcycle and boat coverage, serving Richmond and surrounding Texas communities.

Spanish, Laotian
AutoBoatCommercial GLFlood+5 more
Carriers: State Farm
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KA

Katy Insurance Agency

Katy, TX· 10.2 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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TA

TIA-Texas Insurance Agency

Katy, TX· 13.5 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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AI

AAAA Auto Insurance

Katy, TX· 11.6 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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AL

Arlene Lollie & Associates, LLC

Missouri City, TX· 13.9 mi
Agency
10+ agents

Arlene Lollie & Associates is a trusted insurance agency serving the Greater Houston area for over 20 years. They provide personalized personal and business insurance solutions, including auto, homeowners, life, commercial property, flood and boat coverage. The agency emphasizes high‑quality service and building lasting client relationships.

AutoBoatCommercial GLCommercial Property+5 more
Carriers: Agricultural Workers Mutual Auto Insurance Company, Alinsco Insurance Company, American General Life Insurance Company +72
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TA

TIA- Texas Insurance Agency

Richmond, TX· 5.3 mi
Agency
Very Popular
1-2 agents27yr

TIA‑Texas Insurance Agency is an independent agency founded in 1999 that helps individuals, families, and businesses across Texas find affordable auto, homeowners, boat, RV, motorcycle, commercial and liability coverage by comparing multiple carriers. The agency emphasizes personalized service, bilingual support, and free, no‑obligation quotes.

Spanish
AutoHomeownersRentersCommercial GL+5 more
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HG

Hayslip Insurance Group

Fulshear, TX· 5.4 mi
Agency
3-5 agents

Hayslip Insurance Group is a local agency serving Fulshear and surrounding areas with personal, easy‑to‑reach insurance solutions for homes, autos, and businesses. They focus on tailoring coverage to families and offering direct, in‑person assistance. The agency emphasizes claims advocacy and community‑focused service.

AutoHomeownersRentersLife+5 more
Carriers: ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY, ALLSTATE INDEMNITY COMPANY, ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY +14
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II

Inshora Group Insurance - Home Insurance

Sugar Land, TX· 9.5 mi
Agency
Very Popular
1-2 agents

Inshora Group is a Texas‑based insurance agency offering personal and business insurance solutions, including auto, home, renters, flood, life, and business coverage. They compare quotes from over 25 A‑rated carriers to provide personalized service and savings for clients.

AutoCommercial GLFloodHomeowners+3 more
Carriers: Ace American Insurance Company, Ace Fire Underwriters Insurance Company, Ace Property and Casualty Insurance Company +37
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FP

First Choice Insurance Partners

Katy, TX· 8.0 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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VA

Valco Insurance / TIA-Texas Insurance Agency

Bellaire, TX· 10.0 mi
Agency
Popular
1-2 agents27yr

Texas Insurance Agency (TIA) is an independent agency founded in 1999 that offers affordable coverage for individuals, families, and businesses throughout Texas. They compare multiple carriers to provide auto, homeowners, renters, commercial, and specialty insurance solutions.

Spanish
AutoHomeownersRentersCommercial GL+4 more
Carriers: Affirmative Insurance Company, Home State County Mutual Insurance Company, Imperial Fire and Casualty Insurance Company +6
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WG

Wiemers Insurance Group

Katy, TX· 8.7 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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PL

PC Insurance LLC

Katy, TX· 8.8 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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VL

Veronica Lynd - GEICO Insurance Agent

Katy, TX· 9.6 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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CS

Chadwick Sapenter - GEICO Insurance Agent

Sugar Land, TX· 12.4 mi
Agency
Very Popular

GEICO Insurance Agency, Inc. provides auto, homeowners, renters, and other insurance products through GEICO’s online platform in Houston, Texas.

Spanish
AutoBoatCommercial GLEarthquake+6 more
Carriers: Agricultural Workers Mutual Auto Insurance Company, American Bankers Insurance Company of Florida, Aventus Insurance Company +28
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PI

Prosafe Insurance

Sugar Land, TX· 11.4 mi
Agency
Popular
1-2 agents

Prosafe Insurance is a full‑service independent agency based in Sugar Land, Texas, serving clients across the state. They help customers find home, auto, life, flood, commercial and other coverages by comparing multiple carriers to get the best rates. Their focus is personal service and transparent guidance throughout the insurance process.

AutoHomeownersLifeFlood+5 more
Carriers: ASI Lloyds, Aegis Security Insurance Company, Agricultural Workers Mutual Auto Insurance Company +42
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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.