Cleveland Stiff Insurance LLC
17832 Mound Rd., Ste. B, Cypress, TX 77433
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Cypress households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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17832 Mound Rd., Ste. B, Cypress, TX 77433
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17832 Mound Rd, Ste B, Cypress, TX 77433
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15835 Mueschke Rd, Cypress, TX 77433
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21211 FM 529 Rd, Ste 103, Cypress, TX 77433
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8118 Fry Rd, Unit 903, Cypress, TX 77433
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8118 Fry Rd, Suite 502, Cypress, TX 77433
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14007 Telge Rd, Cypress, TX 77429
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Learn about insurance coverage options specific to Cypress residents.
Home insurance in Cypress averages $2,200-$3,300/year, plus flood coverage. Learn about hurricane exposure, windstorm deductibles, and master-planned community discounts.
General Insurance EducationComplete insurance guide for Cypress, Texas residents. Learn about flood risks, rising home insurance rates, and auto coverage needs in Harris County.
Car InsuranceGet the auto insurance coverage you need in Cypress, TX. Learn about Texas's 30/60/25 requirements, at-fault system, and why Houston-area rates are higher.
Yes, you should strongly consider it. Cypress has experienced multiple major flooding events including Hurricane Harvey, and over 20% of flood claims come from outside designated flood zones. With rapid development increasing runoff and drainage issues, areas that never flooded before are now at risk. Flood insurance is relatively affordable at $400-$2,000 per year and can save you tens of thousands in damage costs.
The average homeowner in Cypress pays $2,200-$3,300 annually for standard homeowners insurance, not including flood coverage. If you add flood insurance, expect another $400-$2,000 per year depending on your flood risk. Rates have been rising steeply, with Texas seeing 19% increases in 2024 and projected 9% increases in 2025.
Windstorm coverage is included in your standard homeowners policy and covers damage from hurricane winds, hail, and tornadoes. Flood insurance is a separate policy that covers water damage from flooding, storm surge, and overflow. This distinction is critical because after a hurricane, damage from wind is covered by homeowners insurance while damage from rising water is only covered if you have flood insurance.
Generally yes. New construction homes built to modern codes with impact-resistant materials, updated electrical and plumbing, and hurricane-resistant features often qualify for 10-20% discounts compared to older homes. However, you still need to verify the home's specific flood risk and elevation, as location matters more than age when it comes to flood insurance costs.
A windstorm deductible is a separate, higher deductible that applies specifically to wind and hail damage, typically 2% of your home's insured value. On a $300,000 home, that's a $6,000 deductible you'll pay before insurance covers wind damage. Hurricane deductibles can be even higher, ranging from 1-5% of your home's value.
Compare both. Private flood insurance is often 20-40% cheaper than NFIP and may offer better coverage options, especially if you're in a moderate or low-risk zone. However, NFIP is backed by the federal government and has been the traditional option. Get quotes from both to see which offers better value for your specific property and coverage needs.
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