Flood insurance · Texas

Flood Insurance Agencies in Richardson, TX

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

Local insight

Flood insurance in Richardson: what to know

Richardson has 118,731 residents in 45,818 households. We list 4 agencies for flood insurance in Richardson. Here is what the local numbers say about the cover people here need.

Richardson at a glance

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

Natural hazard risk in Dallas County

FEMA rates the overall natural hazard risk in Dallas County, where most Richardson 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 Richardson
  • HailVery High

    Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

    Home insurance in Richardson
  • TornadoVery High

    Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

    Home insurance in Richardson
  • Ice stormVery High
  • Winter weatherVery High

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

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in RichardsonHow much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Where Richardson agencies are

Richardson agencies we list sit in 2 ZIP codes, mostly in Dallas County.

  • 750802 agencies
  • 750812 agencies

Questions

Flood insurance in Richardson

All insurance agencies in Richardson · Flood insurance across Texas

Where can I find flood insurance in Richardson?

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.

Do I need flood insurance in Richardson?

FEMA's National Risk Index rates inland flooding risk in Dallas 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

Flood insurance near Richardson

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