Atzenhoffer Insurance Agency, LLC
3211 N Navarro St, STE A, Victoria, TX 77901
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Victoria households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3211 N Navarro St, STE A, Victoria, TX 77901
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4401 Lilac Ln, Victoria, TX 77901
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3109 E Mockingbird Ln, Victoria, TX 77904
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8806 N Navarro Street Ste 600, #126, Victoria, TX 77904
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5103 East Airline Road, Suite A, Victoria, TX 77904
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5907 N Navarro, Victoria, TX 77904
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5907 N Navarro St, Victoria, TX 77904
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1803 N. Navarro St, Victoria, TX 77901
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Learn about insurance coverage options specific to Victoria residents.
Victoria home insurance averages $1,400/year—far below Texas rates. Learn about hurricane, wind, and flood coverage for your Guadalupe River-area home.
Car InsuranceVictoria drivers need more than minimums. Learn about TX 30/60/25 requirements, average rates ($133/mo), and why the US-77/59 crossroads affects your coverage.
General Insurance EducationComplete insurance guide for Victoria, Texas residents. Compare auto rates ($1,737/yr avg), understand flood risks, and find affordable coverage options.
Yes, you should strongly consider it. Hurricane Harvey proved that flooding doesn't respect FEMA flood zone boundaries—over 50% of Victoria's damage came from flooding, including areas not designated as high-risk. With flood insurance averaging just $784 annually in Texas, the protection far outweighs the cost, especially near the Guadalupe River.
Victoria homeowners pay approximately $1,400 per year on average for home insurance, significantly less than the Texas state average of $3,851. However, this base policy doesn't include flood coverage, which costs an additional $784 annually on average through NFIP.
A hurricane deductible is a separate, higher deductible that applies specifically to hurricane damage in Texas. It's typically 1-5% of your home's insured value. On a $250,000 home, you could pay between $2,500 and $12,500 out of pocket before your insurance coverage begins.
Homeowners insurance covers wind damage from hurricanes but explicitly excludes flood damage. Since Victoria's biggest hurricane threat is often flooding from heavy rainfall and Guadalupe River overflow, you need both standard homeowners insurance (for wind) and separate flood insurance (for water damage) to be fully protected.
Buy it now, before you need it. NFIP flood insurance policies have a 30-day waiting period before coverage begins, so you can't wait until a storm is approaching. Even if you're closing on a house, make flood insurance part of your closing checklist rather than something you'll "get to later."
Yes. While Victoria starts from a lower base than coastal areas, Texas home insurance rates increased 21% in 2023 and 19% in 2024. Rising construction costs, more severe weather events, and increasing home values are driving rates upward statewide, including in Victoria County.
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