Most people with flood insurance in Texas have a policy through the federal National Flood Insurance Program (NFIP).
But you can also buy flood insurance from an insurance company, like you would buy your home or auto insurance.
To find a company that sells flood insurance:
- Ask your home insurance company if it sells flood insurance.
- Find an independent agent (also called a broker). They can shop for you and find a company that offers flood insurance.
If you’re buying a home and need flood insurance, ask if the seller has an NFIP policy that can transfer to you.
Shop around to find the coverage that fits your needs and budget. The coverage and premium can be different between companies.
If you have a mortgage and your lender requires flood coverage, be sure you know what coverages they require. Then ask each company if they provide those coverages.
Learn more
- Flood insurance shopping guide (Office of Public Insurance Counsel)
- How do I find an insurance agent or company?
- Texas law encourages renters to buy flood coverage
- Flood insurance: Why you need a policy
Tips and help
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