Brian Johnson Insurance (twfg-Brian Johnson Insurance)
18477 W Lake Houston Pkwy, Ste 30, Humble, TX 77346
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18477 W Lake Houston Pkwy, Ste 30, Humble, TX 77346
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17280 W Lake Houston Parkway, Humble, TX 77346
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5332 Suite C FM 1960 East, Humble, TX 77346
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5332 FM 1960 East, Suite C, Humble, TX 77346
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8727 FM 1960 Rd E, Humble, TX 77346
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8727 FM 1960 E, Humble, TX 77346
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6942 FM 1960 RD E, STE 336, Humble, TX 77346
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Learn about insurance coverage options specific to Humble residents.
Home insurance in Humble jumped 50% recently due to flood risk and hurricanes. Learn about costs, flood zones near Lake Houston, and essential coverage.
Car InsuranceCompare Humble auto insurance rates from $889-$1,183 by ZIP. Learn why 30/60/25 isn't enough on US-59 & Beltway 8. Get better coverage for less.
General Insurance EducationComplete insurance guide for Humble, Texas residents. Compare auto, home, and flood insurance rates near Lake Houston. Get quotes and save on coverage.
Yes, you should strongly consider it. Harris County experiences major flooding approximately every two years, and about 40% of flood insurance claims come from properties outside designated high-risk zones. The Lake Houston area has seen significant flooding in recent years, with hundreds of homes damaged. At $65-$73 per month on average, flood insurance is relatively affordable protection against catastrophic loss.
Texas experienced 20 billion-dollar severe weather events in 2024 alone—more than any other state. Premiums in Humble and similar Houston suburbs jumped about 50% in recent years due to increasing severe weather, flooding, hail, and hurricane damage. When insurance companies pay out massive claims year after year, they raise rates to remain financially stable and continue offering coverage.
Your regular deductible (typically $1,000-$2,500) applies to most claims like theft or fire. Your windstorm or hurricane deductible is separate and calculated as a percentage of your home's insured value—usually 1-5%. For a $300,000 home with a 2% windstorm deductible, you'd pay the first $6,000 of wind damage out of pocket before insurance covers the rest.
Many are, or sit near areas with flood risk. Between 2016 and 2024, about one in five homes built in Greater Houston were constructed inside flood zones, including some in master-planned communities near Lake Houston. Don't assume your new home is safe from flooding just because it's in a planned development. Check your specific property using the Harris County Flood Education Mapping Tool before deciding on flood insurance.
Shop around and compare quotes from multiple insurers, as rates vary significantly. Bundle home and auto insurance for multi-policy discounts. Install impact-resistant roofing, security systems, or storm shutters. Maintain good credit and ask about claims-free discounts. However, don't reduce dwelling coverage or increase deductibles beyond what you could comfortably afford in an emergency just to save on premiums.
Standard homeowners policies in Humble typically include windstorm coverage for hurricane winds and wind-driven rain, but they don't cover flooding or storm surge. You'll need separate flood insurance for water damage from rising water. Complete hurricane protection requires both policies working together, with total costs averaging $4,840 per year in Texas when combining homeowners and flood coverage.
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