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Browse flood insurance agents serving Clute, Texas. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Clute, TX
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Texas before hiring.
Showing 2 flood insurance agents in Clute, TX
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Insurance Plus Agencies, LLC - Progressive Local Agent
815 Dixie Dr, Clute, TX 77531
(979) 265-6500
yourinsurancecompany.com
Velez Insurance Agency
263 E Main St, Clute, TX 77531
(979) 388-0092
velezinsurance.net
Flood insurance agents in Clute, Texas help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Because Clute is near the Gulf Coast and prone to heavy rainfall, flood insurance is often required by lenders for properties in Special Flood Hazard Areas. Texas law does not mandate flood insurance for all homeowners, but many policies include a 30-day waiting period before coverage takes effect.
What Does a Flood Insurance Agent in Clute Cost?
The average cost of a flood insurance policy in Texas through the NFIP is around $700 to $1,200 per year for a single-family home, but rates vary based on flood zone, elevation, and building characteristics. Private flood insurance may cost more or less depending on risk. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance in Clute Texas?
If your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage, your lender will require flood insurance. Even outside these zones, flood damage is not covered by standard homeowners policies, so many residents choose to buy a separate policy.
How do I find a flood insurance agent in Clute?
You can search for licensed insurance agents in Clute who offer flood policies. Many local agencies represent multiple carriers including the NFIP. The Texas Department of Insurance website provides a search tool to verify an agents license and check for complaints.
What does flood insurance cover in Texas?
A standard NFIP policy covers structural damage to your home and damage to personal belongings up to policy limits. It does not cover temporary living expenses or items outside the building such as landscaping. Private flood policies may offer broader coverage.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Texas.