FEMA Insurance in Texas.
The National Flood Insurance Program administered by FEMA. We write NFIP policies for Texas homes and businesses in Special Flood Hazard Areas or wherever a federally-backed flood policy is required.
- NFIP Flood
Where FEMA is strong.
Every carrier has an appetite — the profiles they price most competitively. Here's where FEMA consistently wins for our Texas clients:
- Federally-backed flood coverage
- Lender-required SFHA policies
- Building & contents coverage
- Available in every NFIP community
Why buy FEMA through Allstar National?
Buying directly from FEMA means you only ever see one price and one product set. Buying through Allstar National Insurance means you see FEMA's best offer next to 15+ other top-rated Texas carriers — Progressive, Nationwide, Travelers, Safeco, Tower Hill, Orchid, Neptune, and more — all in a single conversation.
If FEMA is the right fit, we place you there. If someone else is $500 cheaper with the same coverage, we tell you. That's the difference between an independent agent and a captive one — and it's why our average client saves $637 per year without giving up coverage.
You also get the same team every time you call. Same names. Same numbers. Real Houston-based people who help you at renewal, at claim time, and every year in between.
Ask about bundling nfip flood with your other policies — bundling FEMA with a home, auto, or umbrella policy from any of our carriers can save an additional 10–25%.
FEMA insurance questions, answered.
Does Allstar National sell FEMA insurance in Texas?
Yes. As an independent agency appointed with FEMA, we can quote and bind FEMA policies for Texas clients — usually the same day. We also compare FEMA against 15+ other top-rated carriers so you can see how their rate and coverage stack up.
Is FEMA a good insurance company?
FEMA is one of our regularly-shopped markets because they're consistently competitive on nfip flood for the profiles we write. Whether they're the best fit for your specific home, vehicle, or business depends on your risk profile — that's why we compare them side-by-side with the rest of the market instead of pushing one brand.
Can I switch to FEMA without waiting for my renewal?
In most cases, yes. Texas carriers pro-rate refunds when you cancel mid-term, so if FEMA comes back cheaper we can bind the new policy immediately and cancel the old one — you'll get a refund for the unused portion.
What discounts does FEMA offer?
FEMA discounts typically include multi-policy bundling, paid-in-full, paperless, safe driver or protective-device credits, and loyalty. We'll layer every discount you qualify for automatically when we quote your policy.
How do I file a FEMA claim?
You can call FEMA's 24/7 claims line directly, or call us first at (713) 773-1900 — we help clients report claims, push back on lowball settlements, and get repairs paid fairly. Being an Allstar National client means you're never navigating a claim alone.
Also compare
Explore other top-rated carriers we shop side-by-side with FEMA.
See FEMA's rate — plus 15+ others.
Share a few basics and we'll compare FEMA against every other top-rated carrier in our lineup. No obligation. No spam. Just honest side-by-side numbers.