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Looking for a flood insurance agent in Harker Heights? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Harker Heights, 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 7 flood insurance agents in Harker Heights, 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.
Leah McGee - State Farm Insurance Agent
302 Millers Crossing Ste 6, Harker Heights, TX 76548
(254) 634-9600
mcgeeforme.com
Gary Morse: Allstate Insurance
600 Indian Trail Ste 110, Harker Heights, TX 76548
(254) 699-1000
agents.allstate.com
Bryce Welborn - State Farm Insurance Agent
582 E Central Texas Expy, Harker Heights, TX 76548
(254) 892-4044
agentbrycewelborn.com
Miller & Company Insurance
331 Indian Trail, Harker Heights, TX 76548
(254) 690-5000
millerandcoinsurance.com
Jerry Worley Insurance Agency
552 Farm to Market 2410 A, Harker Heights, TX 76548
(254) 690-9299
Texas Farm Bureau Insurance Company
2021 Heights Dr, Harker Heights, TX 76548
(254) 690-7111
txfb-ins.com
Union Insurance Agency, Inc
552 Farm to Market 2410 A, Harker Heights, TX 76548
(254) 953-8151
Flood insurance agents in Harker Heights Texas help homeowners and businesses secure coverage through the National Flood Insurance Program or private insurers. Texas law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Local agents understand the specific flood risks near Stillhouse Hollow Lake and can guide you through the 30-day waiting period for new policies.
What Does a Flood Insurance Agent in Harker Heights Cost?
The cost of flood insurance in Texas varies based on flood zone risk, property value, and coverage amount. For an NFIP policy, annual premiums typically range from 700 to 2,000 dollars for a standard home in a moderate-risk area. High-risk zones may see costs of 2,000 to 5,000 dollars or more per year. Private flood insurance may offer different pricing. This is general information, 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 Harker Heights Texas?
If your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage, flood insurance is required. Even outside high-risk zones, flooding can occur, so many residents choose to buy a policy for protection.
How long does it take for a flood insurance policy to start in Texas?
Standard flood insurance policies from the NFIP have a 30-day waiting period before coverage begins. This means you should buy a policy well before any storm threat to ensure you are protected.
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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.