⚠️ NFIP Reauthorization Deadline: September 30, 2026
Proudly Serving Bastrop & All Texas Communities

Protect Your Texas Home from Rising Waters—Before the Storm Hits.

As independent flood risk specialists in Bastrop, we compare NFIP and Private Flood options to find the best rates and comprehensive coverage for homeowners across Texas.

We Guarantee the Best Rates

Shop NFIP & private carriers to save you money

Get a Local Flood Quote (832) 247-0206
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Local Bastrop Agency

Did You Know?

90% of natural disasters

involve flooding

Just 1 inch of water

can cause $25,000+ in damages

20% of flood claims

occur outside high-risk zones

Standard homeowners insurance

does NOT cover flood damage

⚠️ Don't Wait for the Forecast: Most standard flood policies require a 30-day waiting period before coverage becomes effective.

If a tropical system or major storm front enters the Gulf, it's already too late. Secure your coverage today to ensure you are protected when it matters.

Get Covered Now
The Zone X Myth

"I'm Not in a Flood Zone"
Think Again.

Did you know? Over 20% of flood insurance claims come from moderate-to-low-risk areas (Zone X). If it rains where you live, it can flood.

Whether you're near the Colorado River in Bastrop, navigating the flash flood alleys of Austin, or protecting property along the Gulf Coast—flooding can happen anywhere, at any time.

Pro Tip: Just 1 inch of water can cause $25,000+ in damages. Standard homeowners insurance does NOT cover flood damage.

Zone X (Moderate Risk)

Outside high-risk flood areas

1 in 4 homes will flood during a 30-year mortgage

Flash Flooding

Can occur anywhere with heavy rain

Austin's "Flash Flood Alley" sees deadly floods yearly

River & Creek Overflow

Bastrop, Colorado River area

2015 Bastrop flooding destroyed 500+ homes

Why You Need Flood Insurance in Texas

Texas is one of the most flood-prone states in the nation. From hurricanes to heavy rainfall, flash floods can happen anywhere, anytime.

Property Protection

Covers your building's foundation, electrical and plumbing systems, HVAC equipment, appliances, and permanently installed fixtures.

Contents Coverage

Protects your personal belongings including furniture, clothing, electronics, and other valuable possessions inside your home.

Affordable Rates

NFIP policies start as low as $400/year. Private flood insurance options may offer even better rates and expanded coverage.

Peace of Mind

Sleep better knowing you're financially protected if a flood strikes. No surprise out-of-pocket costs for flood repairs.

30-Day Waiting Period

Don't wait for a storm warning! Coverage typically takes effect 30 days after purchase. Get protected before disaster strikes.

Expert Guidance

Our certified flood insurance specialists help you navigate NFIP requirements and find the best coverage for your property.

Get Protected Today
Coverage Options

What Does Flood Insurance Cover?

Understanding your flood insurance coverage is essential. We offer both NFIP and private flood insurance policies tailored to your specific needs.

Learn more about NFIP at FEMA.gov

We Shop Multiple Carriers for You

Guaranteed best rates on NFIP and private flood insurance

Building Coverage (Up to $250,000)

  • Foundation, walls, floors, and roof
  • Electrical and plumbing systems
  • HVAC equipment and water heater
  • Built-in appliances and cabinets
  • Detached garage (up to 10% of building coverage)

Contents Coverage (Up to $100,000)

  • Furniture, clothing, and electronics
  • Portable appliances and window treatments
  • Valuables like artwork and jewelry
  • Items in your basement (limited coverage)

What's NOT Covered?

It's important to understand the limitations of flood insurance:

  • Temporary living expenses while your home is being repaired
  • Swimming pools, hot tubs, and landscaping
  • Property and belongings outside of the insured building
  • Financial losses caused by business interruption
  • Vehicles, currency, and precious metals

Pro Tip

Consider adding an umbrella policy or additional riders to cover items not included in standard flood insurance. We can help you build comprehensive protection.

Our Superpower

We Shop Both NFIP & Private Flood
To Beat Standard Rates

Most consumers don't know there's an alternative to FEMA. As your independent advisor, we navigate both to save you money.

NFIP Reauthorization Deadline: September 30, 2026 – Act Now!
Feature FEMA / NFIP Private Flood Insurance
Waiting Period Typically 30 Days Often 1 to 14 Days
Building Coverage Limit Capped at $250,000 $1M+ (Great for higher-value homes)
Contents Coverage Limit Capped at $100,000 Higher flexible limits available
Pricing Fixed by government Market-driven (Often significantly cheaper)
Additional Living Expenses (ALE) Not Included Often Included
Replacement Cost Coverage Actual Cash Value Only Available Options

NFIP (Standard)

Government-backed program by FEMA

  • Coverage up to $250,000 (building) and $100,000 (contents)
  • Available in all 50 states
  • Required by mortgage lenders in high-risk areas
  • 30-day waiting period (with exceptions)

⚠️ Limitations:

  • • NO Additional Living Expenses (ALE) – Won't cover temporary housing if displaced
  • • Limited coverage caps may leave gaps
  • • Rates may increase after NFIP reauthorization

Consider if: You need basic coverage to satisfy mortgage requirements in a flood zone.

Private Flood Insurance

More comprehensive protection

  • Higher coverage limits (often $1M+ available)
  • Additional Living Expenses (ALE) – Covers temporary housing & living costs
  • Replacement cost coverage options
  • Potentially lower premiums than NFIP
  • More flexible coverage options

✓ Key Advantage:

  • • ALE Coverage – If a flood displaces you, private insurance can cover hotel, meals & relocation costs
  • • Get the protection NFIP doesn't provide
  • • No rate uncertainty after reauthorization

Best for: Homeowners wanting complete protection, including ALE coverage for displacement expenses.

Not Sure Which Option is Right for You?

Let our flood insurance experts compare both NFIP and private options to find the best coverage and rates for your property.

Compare Your Options Call (832) 247-0206
Your Local Bastrop Agency

Get Your Free Texas Flood Quote

Give us 60 seconds to look up your property's flood maps. We'll shop up to 10 private carriers and the NFIP to find your best rate.

60-Second Quote Promise: We'll look up your flood maps, shop 10+ carriers, and find your best rate.

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No Obligation
Response in 24 Hours
Texas-Specific Answers

Bastrop & Central Texas Flood FAQ

Get answers to common questions about flood insurance for Texas homeowners.

Still have questions? We're here to help!

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Don't Wait Until It's Too Late

Flood damage can happen in an instant, but recovery takes months—or even years. Protect your home, your belongings, and your financial future with comprehensive flood insurance today.

Call or Text

(832) 247-0206

Email Us

[email protected]
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NFIP Certified
20+ Years Experience
Licensed in 7 States