The top-rated flood insurance agent in Plano, Texas is Insurigo Inc - Insurance Agency, rated 4.9 stars across 571 reviews. Other highly rated options include The Sterling Insurance Group, Alpha Omega Insurance Agency, Univista Insurance. This directory lists 22 flood insurance agents serving Plano.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Insurigo Inc - Insurance Agency | 555 Republic Dr ste 440 | (214) 764-2224 |
| 2 | The Sterling Insurance Group | 3415 Custer Rd #104 | (972) 964-4825 |
| 3 | Alpha Omega Insurance Agency | 9925 Gillespie Dr Suite 1100 | (972) 964-8397 |
| 4 | Univista Insurance | 301 W Parker Rd # 218 | (972) 833-8777 |
| 5 | Monarch Insurance Group | 5151 Headquarters Dr #155 | (972) 872-8444 |
| 6 | Insurance City | 3209 Premier Dr Suite 103 | (972) 422-1400 |
| 7 | Magnum Choice Insurance Agency Inc | 5016 Tennyson Pkwy | (972) 801-6878 |
| 8 | Hillcrest Insurance Group - Plano | 5700 Tennyson Pkwy #300 | (469) 929-9450 |
| 9 | Trusted Insurance Partners LLC | 3415 Custer Rd Ste 192 | (469) 656-8477 |
| 10 | Integrity Insurance Group- Matt Lohoefer Insurance | 5805 Coit Rd Ste 401 | (972) 930-7086 |
Insurigo Inc - Insurance Agency serves the Plano and Collin County area as a local flood insurance agent. The agency assists homeowners and business owners with securing policies that address potential water damage from heavy rains and rising waterways. It works with property owners to understand the specific flood risks common to this region. The company provides guidance on coverage options and helps clients navigate the application process for securing necessary flood protection tailored to their individual property needs.
The Sterling Insurance Group provides comprehensive flood insurance solutions for properties in the Plano, Texas, area. It assists clients in securing appropriate coverage against water damage from heavy rainfall and rising waterways. Standard service includes annual policy reviews to ensure adequate protection as flood zone maps and property values change. The agency also helps adjust coverage after renovations or changes in local flood risk. Its service plans involve straightforward policy management and claims guidance. The Sterling Insurance Group serves single-family homes, apartments, retail spaces, and restaurants throughout the community.
Alpha Omega Insurance Agency in Plano, TX assists homeowners, businesses, and property managers in securing flood insurance policies tailored to their specific risk profiles. They guide clients through the process of assessing flood zone designations and selecting appropriate coverage limits. The agency helps navigate policy options and filing documentation. Its service area includes nearby communities such as Allen, ensuring property owners in the broader Collin County area have access to flood protection guidance.
Univista Insurance in Plano, TX, distinguishes between a one-time policy review for immediate flood coverage and recurring annual adjustments to align with changing flood maps or property values. Their flood insurance agents help clients understand federal program options, including coverage for building structure and contents. An initial consultation clarifies risk levels and potential premium factors. Service operates on an as-needed basis for inquiries or policy changes, with scheduled annual renewals to maintain continuous protection.
Monarch Insurance Group serves the Dallas-Fort Worth metroplex, including Plano and its surrounding communities, specializing in residential and commercial flood insurance policies. It handles the assessment of flood risks for properties located in high-hazard zones and moderate-to-low risk areas alike. The company takes a thorough, consultative approach by reviewing property elevation certificates and local flood maps, then presenting clients with clear coverage options to meet their specific needs.
Insurance City specializes in helping property owners secure flood insurance policies that meet federal and lender requirements. It also serves clients in Plano, Texas, with general coverage guidance and policy reviews. Flooding risks in this region often stem from intense seasonal storms and flash flooding caused by sudden heavy rainfall. The agency assists homeowners and businesses in understanding their National Flood Insurance Program options and flood zone designations before the spring wet season begins.
As seasonal rains and flash flooding threaten the Plano, Texas area each spring, Magnum Choice Insurance Agency Inc helps property owners secure crucial financial protection. This flood insurance agent guides clients through the complexities of National Flood Insurance Program policies, explaining coverage for both structures and contents. They evaluate each property’s unique flood zone and elevation risks to recommend appropriate limits. An initial assessment of the home’s vulnerability and existing coverage gaps begins with a free on-site inspection of the property’s lowest floor elevation.
Hillcrest Insurance Group - Plano specializes in securing insurance coverage for property owners, with a dedicated focus on flood insurance policies. The agency assists clients in assessing flood risks and obtaining appropriate protection for homes and commercial structures in Plano, TX. Its services help both residential and business clients prepare for potential water damage. Working with various insurance markets, the firm can address coverage needs for different commercial sectors, including offices, warehouses, and food service operations.
Trusted Insurance Partners LLC in Plano, TX is known for providing reliable flood insurance agent services to local property owners. The company assists clients in securing coverage for residential and commercial properties within flood-prone zones throughout the greater Plano area. Every policy is tailored to meet individual risk assessments and compliance requirements. A specialty service it can add on is assisting with elevation certificate reviews to help customers potentially lower their premiums.
For residential flood insurance needs in Plano, Integrity Insurance Group- Matt Lohoefer Insurance helps homeowners secure coverage that addresses rising water risks. The agency also offers commercial flood insurance, serving clients throughout the Plano area. Flood insurance policies from this local agent fill an important gap not covered by standard homeowner plans, protecting property against storm surge and heavy rainfall events. Guidance includes explaining flood zone designations and policy limits. Between scheduled policy reviews, the agent can follow up to confirm coverage updates if property changes occur.
What Does a a Flood Insurance Agent in Plano Cost?
The average annual premium for an NFIP policy in Texas is around $700 to $1,200 for a standard single family home. However, costs vary based on your property's elevation, flood zone, and coverage limits. Private flood insurance may cost less or more depending on risk assessment. This is general information, not insurance advice.
About flood insurance agents in Plano
Flood insurance agents in Plano Texas help homeowners and businesses secure coverage through the National Flood Insurance Program and private markets. Texas law requires lenders to mandate flood insurance for properties in designated high risk zones. Plano residents near creeks and tributaries often need policies to protect against flash flooding events.
Frequently Asked Questions
Do I need flood insurance in Plano Texas?
If your property is in a FEMA designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. Even outside high risk zones, Texas experiences heavy rainfall that can cause flooding, so an agent can help you assess your risk.
What does a flood insurance policy cover in Texas?
A standard NFIP policy covers physical damage to the building and its contents from flood waters. It does not cover temporary housing or additional living expenses. Texas specific exclusions include damage from sewer backups unless directly caused by flooding.
How long does it take to get flood insurance in Plano?
NFIP policies typically have a 30 day waiting period before coverage begins. However, if you are buying a home with a mortgage, you can bind coverage at closing. Private flood insurance may have shorter waiting periods, so ask your agent for options.
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