Select Insurance Group
407 Church St, Unit F, Georgetown, SC 29440
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Georgetown households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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407 Church St, Unit F, Georgetown, SC 29440
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1309 Highmarket Street, Georgetown, SC 29440
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Learn about insurance coverage options specific to Georgetown residents.
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Texas requires 30/60/25 liability coverage: $30,000 per person for injuries, $60,000 total per accident, and $25,000 for property damage. However, Georgetown's severe weather risks—including frequent hail storms—make comprehensive coverage highly recommended even though it's not legally required. Comprehensive covers hail, wind, flood, and fire damage to your vehicle.
While not state-mandated, flood insurance is critical in Georgetown. The city experienced severe flooding in July 2025 that resulted in a disaster declaration. Flood insurance costs $150-$200 monthly in Texas and covers damage from heavy rain, blocked drainage, and other water intrusion that standard homeowners policies exclude. Mortgage lenders often require it for properties in designated flood zones.
Georgetown's population has grown over 47% since 2020, with annual growth rates exceeding 8%. This impacts insurance availability and pricing as more residents mean more claims, increased traffic accidents on I-35 and local roads, and higher demand for coverage. Property values are rising quickly, so homeowners should review coverage limits annually to ensure they reflect current replacement costs.
Georgetown faces significant hail risk (71 Doppler-detected events in the past year), flooding (July 2025 disaster declaration), and occasional tornadoes. The area has been under severe weather warnings 74 times in the past 12 months. Standard homeowners insurance covers wind and hail, but you'll need separate flood insurance for water damage from outside sources.
Texas doesn't legally require homeowners insurance, but mortgage lenders mandate it for financed properties. Given Georgetown's median household income of $91,857 and high property values, most residents carry mortgages and therefore must maintain homeowners coverage. Even if you own your home outright, insurance protects your largest asset from Georgetown's severe weather risks.
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