Houston has 2,328,253 residents in 930,404 households. We list 44 agencies for flood insurance in Houston. Here is what the local numbers say about the cover people here need.

Houston at a glance

44flood insurance agencies listed
57.9%of households rentRenters insurance
$277,800median home valueHome insurance
1982median year homes were builtRebuild cost calculator
10.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Harris County

FEMA rates the overall natural hazard risk in Harris County, where most Houston agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Houston
Coastal floodingRelatively High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in Houston
HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Houston
TornadoVery High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Houston
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Houston

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Houston agencies work with

Of the 44 Houston agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Wright Flood44 agencies
Progressive37 agencies
Foremost32 agencies
Liberty Mutual31 agencies
The Hartford31 agencies
Homeowners of America29 agencies
Safeco29 agencies
Liberty Mutual (Safeco)28 agencies
Nationwide28 agencies
Home State27 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Houston agencies are

Houston agencies we list sit in 31 ZIP codes, mostly in Harris County.

770724 agencies
770423 agencies
770563 agencies
770242 agencies
770362 agencies
770572 agencies
770742 agencies
770822 agencies
772182 agencies
770071 agency
770081 agency
770271 agency
770321 agency
770341 agency
770401 agency
770411 agency
770581 agency
770791 agency
770841 agency
770921 agency
770951 agency
770961 agency
770991 agency
772411 agency

Questions

Flood insurance in Houston

All insurance agencies in Houston · Flood insurance across Texas

Where can I find flood insurance in Houston?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does flood insurance cover?

Flood damage is excluded from home policies and needs its own cover.

Which insurance companies do Houston agencies work with?

Among the 44 Houston agencies whose appointments we hold, the companies they are most often appointed with are Wright Flood (44), Progressive (37), Foremost (32), Liberty Mutual (31), The Hartford (31). An appointed agency can quote that company's policies.

Do I need flood insurance in Houston?

FEMA's National Risk Index rates inland flooding risk in Harris County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

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