Galaxy Insurance
8621 W Airport Blvd, # H, Stafford, TX 77477
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Stafford households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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8621 W Airport Blvd, # H, Stafford, TX 77477
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12518 Flaxseed Way, Stafford, TX 77477
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810 Murphy Rd, STE G, Stafford, TX 77477
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12750 S. Kirkwood Rd., Suite 150, Stafford, TX 77477
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12603 Southwest Freeway, Ste 100, Stafford, TX 77477
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10707 Corporate Dr, #201, Stafford, TX 77477
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4800 Sugar Grove Blvd, Suite 535, Stafford, TX 77477
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Learn about insurance coverage options specific to Stafford residents.
Complete insurance guide for Stafford, Texas covering auto, home, and flood insurance. Get rates, requirements, and local tips for Houston-area coverage.
Home InsuranceStafford home insurance averages $6,000-$6,400 yearly. Learn about flood risk in Zone X, hurricane deductibles, and how no property tax affects your coverage.
Car InsuranceStafford, TX auto insurance averages $158-$170/month. Learn Texas 30/60/25 minimums, US-59 & Beltway 8 risk factors, and how Fort Bend rates compare.
Yes, you should seriously consider it. Stafford experiences flooding from heavy rainfall that can affect areas outside mapped flood zones, especially given flat terrain and urban development. About 25% of flood claims come from properties outside high-risk zones, and flood damage isn't covered by standard homeowners insurance at all.
Stafford's auto insurance rates are fairly average for the Houston metro. You'll pay about $48-$65 monthly for minimum liability or $158-$170 for full coverage. That's actually a bit lower than some Houston neighborhoods, though your individual rate depends on your driving record, credit score, and vehicle.
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. These minimums haven't changed for 2026 and remain the same statewide, including in Stafford.
Not directly—you still need the same coverage types as any Texas homeowner. However, the money you save on property taxes can help you afford more comprehensive insurance coverage, which is smart given the area's weather risks. You'll still pay county and school district taxes, but no city property tax.
Starting in 2025, yes—Texas law (SB 1644) now requires insurers to review your credit every three years and adjust rates accordingly. If your credit score has improved, your premiums should decrease without you having to request it or shop around for new coverage.
The National Flood Insurance Program (NFIP) is government-backed with standardized coverage ($250,000 dwelling, $100,000 contents maximum), while private flood insurance offers more flexibility, potentially higher limits, and sometimes lower rates. Private policies can also cover additional living expenses while NFIP doesn't, making them worth comparing if you're in a high-risk area.
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