A. Burr Insurance Agency
475 S Gordon St, Ste B, Alvin, TX 77511
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475 S Gordon St, Ste B, Alvin, TX 77511
View this agency's profile to learn more about their services.
475 S Gordon St B, Alvin, TX 77511
View this agency's profile to learn more about their services.
302 S Gordon St, Alvin, TX 77511
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Alvin residents.
Alvin homeowners need three policies: standard, windstorm, and flood. Learn costs ($1,937-$4,500/year), hurricane risks, and how to save up to $410.
General Insurance EducationEssential insurance guide for Alvin, Texas residents. Learn about flood insurance, hurricane deductibles, and Gulf Coast coverage needs in Brazoria County.
Car InsuranceAlvin drivers face Gulf Coast weather, Highway 35 accidents, and rising rates. Learn about Texas's 30/60/25 requirements and why you need more coverage.
Alvin is located in Brazoria County, a Tier 1 coastal county where standard homeowners policies exclude windstorm and flood damage due to high Gulf Coast risk. You'll need a standard homeowners policy for basic perils, windstorm coverage through the Texas Coastal Insurance Pool (TCIP), and flood insurance through NFIP or a private carrier. Your mortgage lender will require all three policies if you're financing your home.
The average standard homeowners policy in Alvin costs between $1,937 and $2,100 annually, which is below the Texas state average of $3,851. However, when you add required windstorm and flood coverage, your total insurance costs typically range from $3,000 to $4,500 per year depending on your home's value, age, location, and flood zone designation.
Yes, flood insurance is strongly recommended even outside designated flood zones. Hurricane Harvey demonstrated that extreme rainfall can cause flooding anywhere—the storm dropped 40 to 60 inches of rain across the Houston metro area in 2017, flooding homes that had never flooded before. Plus, flood insurance takes 30 days to go into effect, so you can't wait until a storm threatens to purchase coverage.
Windstorm insurance covers damage from hurricane-force winds, tropical storms, and severe windstorms that would otherwise be excluded from your standard homeowners policy in Tier 1 coastal counties. This includes wind damage to your roof, siding, windows, and other exterior components. Wind deductibles are typically percentage-based (1% to 5% of your home's insured value) rather than flat dollar amounts.
Hurricane Harvey's catastrophic flooding in 2017 led to increased awareness of flood risk and contributed to rising insurance rates across the Houston metro area, including Alvin. Texas home insurance premiums rose 21% in 2023 and another 19% in 2024, partly due to increased severe weather losses. The storm also prompted more stringent flood insurance requirements and updated flood maps in Brazoria County.
Your windstorm coverage must come from TCIP (a state-run pool) and flood insurance typically comes from NFIP or specialized private flood carriers, so true bundling isn't possible for all three policies. However, you can often save by bundling your standard homeowners policy with auto insurance from the same carrier. Shopping all three policies separately can save up to $410 annually according to industry research.
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