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AUSTIN METRO · BURNET, TX

Flood Insurance Agents in Burnet, TX

11 licensed flood insurance agents serving Burnet and surrounding areas. Compare independent agencies specializing in flood insurance.

Showing 11 advisors in Burnet

Featured Advisors
Premier AdvisorIndependent
Lawhorn & Moore Insurance Brokers
John Moore·Round Rock
21 years in business
SpecialtiesAuto · Home · Life · Health+ 5 more
CarriersMultiple
Highly Rated
Premier AdvisorIndependent
Grissom Insurance Group
Heather Grissom·Cedar Park
40 years in business
SpecialtiesAuto · Home · Boat · Flood+ 5 more
CarriersGermania · SafeCo · Progressive
Highly Rated
1776 Insurance Group
Austin
4 years in business
SpecialtiesAuto · Home · Fire · Flood+ 2 more
CarriersOver 40 insurance companies available
First North American Title
Austin
SpecialtiesFlood
Verma Insurance Agency
Leander
21 years in business
SpecialtiesProperty insurance · Auto insurance · Flood insurance · Commercial insurance+ 2 more
CarriersGoosehead Insurance
Jeronimo Carrillo Agency
Leander
SpecialtiesAuto · Home · Flood · Life+ 7 more

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DGIA
Daniel Gutschewski·Round Rock
SpecialtiesAuto · Home · Commercial · Classic Car+ 8 more
The Herron Family Agency
Georgetown
SpecialtiesHome · Flood · Condo · Renters+ 9 more
Korpela Insurance Agency
Lorena Korpela·Leander
SpecialtiesHomeowners Insurance · Car Insurance · Renters Insurance · Landlord Insurance+ 5 more
Stubbs Insurance And Financial Services
Angela Stubbs·Leander
31 years in business
SpecialtiesLife insurance · Retirement planning · Auto insurance · Home insurance+ 10 more
Oak Crest Insurance Agency
Daniel Duckworth & Sean Rodney·Liberty Hill
11 years in business
SpecialtiesAuto · Home · Flood
CarriersLiberty Mutual

Flood Insurance in Burnet, TX

Flood Risk · Low

General area-level risk indicators based on historical regional weather patterns for this part of Texas — not a property-specific underwriting assessment. Talk to an agent about your address's actual exposure.

Your standard homeowners policy in Texas won't pay a cent if water from Lake Buchanan or the Colorado River enters your home—flood damage sits outside the scope of those contracts entirely. You'll need a separate flood policy, either through the National Flood Insurance Program or one of the growing number of private carriers writing coverage in Burnet. Your premium hinges on your property's flood zone designation, its elevation relative to base flood levels, and details like your foundation type and the age of your home.

Not all flood policies are built the same, even when two homes sit on the same street. NFIP coverage caps contents at $100,000 and building coverage at $250,000, while some private carriers offer higher limits and additional living expense reimbursement if you need to move out during repairs. Deductible structures differ, too: NFIP applies separate building and contents deductibles to the same event, whereas private policies may bundle them. If your home's value or contents exceed federal limits, a private option may close the gap without requiring a second policy.

An independent agent pulls your property's flood zone directly from FEMA maps before quoting, so you're not guessing whether you're in a high-risk area or a moderate-risk zone with cheaper premiums. They'll line up NFIP terms next to private carrier options, showing you exactly where coverage diverges—whether that's higher limits, replacement-cost contents coverage, or shorter waiting periods. That side-by-side comparison ensures you're not leaving money on the table or buying more policy than the risk actually demands.

Property taxes are rising in Burnet

Homeowners could see increases of up to $48 a month—or $576 a year—depending on ZIP code.

Estimated using the maximum 10% homestead-cap reappraisal allowed under Texas law — actual changes vary by property and appraisal district, and this isn't a guarantee of what any individual homeowner will see.

786111.82%

Up to $576 more every year

You can't control rising property taxes. But reviewing your home and auto insurance could uncover savings that help offset the increase.

Check for Potential Savings →

Free 4-minute review. No obligation.

Further reading

Home & Property
Does My Texas Home Insurance Cover Flooding? The Answer Most People Don't Want to Hear
Standard homeowners policies in Texas explicitly exclude flooding. With hurricane season and flash flooding common across the state, this gap leaves thousands of families exposed every year.
Home & Property
How to Determine the Age of Your Roof for Insurance Purposes
Insurers ask about your roof age for good reason — and the answer affects your premium, your coverage terms, and your insurability. Here's how to find out what you're working with.
Home & Property
What Credit Score Do You Need for Good Home Insurance in Texas?
Your credit score affects your homeowners insurance premium more than most Texans realize. Here's how it works, what scores matter, and what you can do about it.

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Auto InsuranceHome InsuranceRenters InsuranceLandlord InsuranceLife InsuranceHealth InsuranceMedicare InsuranceBusiness InsuranceUmbrella InsuranceFlood Insurance

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Flood Insurance FAQs — Burnet, TX

Why isn't flood damage covered by my homeowners insurance?
Standard homeowners insurance policies generally exclude damage from flooding — that is, water that rises from outside the home, whether from heavy rain, overflowing rivers or bayous, storm surge, or flash floods. Flood coverage is typically purchased separately, either through the National Flood Insurance Program (NFIP) or from a private flood insurance carrier. Water damage from certain internal sources (like a burst pipe) may still be covered by your homeowners policy, but rising floodwater is handled by flood insurance.
How much does flood insurance cost in Burnet?
Flood insurance premiums in Burnet depend on the property's location and flood risk, elevation, construction, foundation type, coverage limits for the building and contents, deductible, and whether the policy is through the NFIP or a private carrier. NFIP pricing under Risk Rating 2.0 is based on property-specific risk. Private flood carriers price independently. Comparing both, when available, through an independent advisor is usually the best way to see accurate options for your specific address.
Do I need flood insurance if I'm not in a high-risk flood zone?
Flood risk isn't limited to designated high-risk flood zones. Many claims each year occur outside the highest-risk areas, especially from heavy rainfall events common across Texas. Being in a lower-risk zone can mean lower flood insurance premiums, not zero risk. Reviewing your specific address, elevation, and rainfall history with an advisor helps you decide whether the coverage is worth carrying, even without a lender requirement.
What does flood insurance actually cover?
Flood policies typically cover physical damage to the building and, if you elect it, the contents inside, up to the policy limits and subject to separate deductibles. Coverage forms vary between NFIP and private carriers — for example, some private carriers offer higher limits, additional living expenses, or replacement cost on contents that NFIP doesn't. Review exactly which coverages, limits, and exclusions apply on any specific quote before assuming a particular type of loss is covered.
How long does it take flood insurance to take effect?
NFIP policies generally have a 30-day waiting period before coverage takes effect for most new purchases, with limited exceptions such as loan closings. Private flood policies may have shorter or different waiting periods, depending on the carrier and situation. Because you can't buy flood coverage while a storm is bearing down, planning ahead — well before hurricane or severe-weather season — is important. An advisor can walk through timing on your specific situation.
Is flood insurance required?
Federally backed mortgage lenders generally require flood insurance for properties in high-risk flood zones. Even when it isn't required, some lenders, HOAs, or specific situations may still request it. If flood insurance isn't required on your property, it's still worth reviewing whether the coverage makes sense based on the property's actual flood exposure, rainfall history, and how a flood loss would affect your finances — not just on whether a lender demands it.
What is the difference between NFIP and private flood insurance?
NFIP flood insurance is a federal program with standardized coverage forms, limits, and pricing under Risk Rating 2.0. Private flood insurance is offered by non-government carriers and can differ meaningfully in coverage limits, deductibles, replacement cost options, additional living expenses, and pricing. Some properties are better served by NFIP, some by private, and eligibility varies. An independent advisor can compare both when available and explain the trade-offs for your specific property.
Why work with an independent flood insurance advisor?
Flood insurance is more nuanced than many people expect — NFIP vs. private, coverage forms, waiting periods, and elevation-driven pricing all affect what a policy costs and what it pays. Independent advisors can compare NFIP and private flood options where available, walk through the specific limits and exclusions on each, and coordinate flood coverage with your homeowners and umbrella policies. That comparison is hard to get from a single-carrier source.
Should property owners in Burnet consider flood insurance?
Property owners in Burnet should consider flood insurance whenever the property has meaningful exposure to rising water, heavy rainfall, or drainage-related flooding — which is common across many parts of Texas, even outside designated high-risk flood zones. Standard homeowners policies exclude flood, so the coverage is purchased separately. Reviewing your specific address, elevation, and past rainfall history with an independent advisor helps you decide whether NFIP, private flood, or both make sense for your situation.
Why work with a local flood insurance advisor in Burnet?
A local advisor in Burnet understands how flood exposure varies across the area, which private flood carriers are active locally, and how NFIP pricing under Risk Rating 2.0 applies to specific properties. Because independent advisors compare multiple insurance companies where available, you can see NFIP and private flood options side by side rather than defaulting to a single source. Local knowledge also helps with timing coverage ahead of severe-weather season.