Flood insurance for a city that floods.
Standard homeowners policies exclude flood damage. In Houston, that means every homeowner needs a separate flood policy — through the NFIP (federal) or a private carrier like Neptune. We quote both, side-by-side, and often find private flood is now cheaper.
An independent approach to flood insurance.
Standard homeowners policies exclude flood damage. In Houston, that means every homeowner needs a separate flood policy — through the NFIP (federal) or a private carrier like Neptune. We quote both, side-by-side, and often find private flood is now cheaper.
We're not tied to a single carrier — which means our flood insurance recommendations are built around what's actually right for you, not whichever company we happen to represent. Every quote is shopped across a dozen top-rated Texas insurers, then presented to you side-by-side in plain English so you can see exactly what you're paying for and why.
- NFIP (federal) flood policies
- Private flood options with higher limits than NFIP
- Shorter waiting periods (as fast as 10 days)
- Contents replacement cost coverage
- Coverage for homes inside AND outside FEMA zones
- Elevation certificate assistance for lower rates
Coverages inside a flood insurance policy.
Click any coverage below to read what it covers, why it matters, and how it applies to your situation.
You should call us if…
You live in the Houston area — nearly every ZIP has flood exposure
Your mortgage lender is requiring flood coverage
You're in a designated flood zone (A, AE, V, VE)
You've had a water event in the neighborhood in the last 10 years
How we do this.
Property review
Address, elevation, and flood zone lookup.
NFIP + private
We quote both federal and private markets side-by-side.
Coverage comparison
Real dollar comparison — limits, deductibles, waiting periods.
Bind
Policy issued and lender notified same-day.
A quiet, honest way to shop for insurance.
We're not the cheapest — we're the fairest. We show you exactly what carriers quoted, explain the trade-offs, and never sell you coverage you don't need.
"They walked me through every quote line by line. First time I've ever felt like my insurance agent was actually on my side."
Flood Insurance questions, answered.
Call (713) 773-1900 — a real person will answer during business hours.
Related services
Flood Insurance by city
Get your flood insurance quote today.
We'll compare flood insurance across a dozen top-rated Texas carriers and get back to you within one business day.