Burney Wood Agency, BWA Insurance
5721 Avenue S 1/2, Galveston, TX 77551
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5721 Avenue S 1/2, Galveston, TX 77551
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3433 Cove View Blvd, #1307, Galveston, TX 77554
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3320 Broadway St., Galveston, TX 77550
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3320 Broadway St, #J, Galveston, TX 77550
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514 23rd St, Galveston, TX 77550
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Learn about insurance coverage options specific to Galveston residents.
Galveston homeowners need 3 policies: home, windstorm, and flood. Learn Texas requirements, costs, and why coastal coverage is different.
Car InsuranceGalveston auto insurance guide covering Texas 30/60/25 requirements, island driving risks, causeway safety, and how to get adequate coverage for coastal living.
Because Galveston is in a Tier 1 coastal county, standard homeowners policies exclude windstorm and flood damage. You need a base homeowners policy for fire, theft, and liability; a windstorm policy through TWIA for hurricane damage; and a flood policy through NFIP for water damage. Your mortgage lender will require all three if you have a federally-backed loan.
Galveston County has the highest average flood insurance costs among Texas's major counties at $992 per year. Your actual cost depends on your home's elevation, flood zone designation, and coverage limits. Properties in high-risk zones (V, VE, V1-30) typically pay more than homes in moderate- or low-risk areas.
Texas requires 30/60/25 liability coverage: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. Your insurer must also offer Personal Injury Protection and uninsured motorist coverage, which you can only decline in writing. The average cost in Galveston is $178 per month.
As of January 1, 2025, Texas eliminated safety inspections for non-commercial vehicles. However, Galveston County still requires emissions testing before registration. You'll need to show proof of auto insurance when you get your emissions inspection done.
If your home was constructed or significantly altered after September 1, 2009, and it's located in flood zones V, VE, or V1-30, you must have NFIP flood insurance to qualify for TWIA windstorm coverage. Without the flood policy, you can't get windstorm insurance through TWIA, which most mortgage lenders require.
Yes. Galveston's participation in the National Flood Insurance Program means anyone in the city can buy subsidized flood insurance regardless of location or loss history. Heavy rain, drainage issues, and storm surge can cause flooding blocks from the beach, and even moderate-risk areas flood during tropical storms.
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