Private Flood Insurance in Pearland, Galveston, Houston, League City, Pasadena, Friendswood, TX, and Surrounding Areas
Flooding can occur unexpectedly, regardless of the season. Whether triggered by severe weather, mudslides, or a burst pipe, floods represent a significant risk to homeowners. It’s important to note that many standard home insurance policies do not include private flood insurance coverage. In the event that your property is impacted by flooding, it’s crucial to know your options.
At Rick Tinker Insurance, we provide private flood insurance to Friendswood, TX, Pearland, Galveston, Houston, League City, Pasadena, TX, and the surrounding areas.
Since 1985, we have had the experience and a passion for honest service, and we aim to keep you protected from all life’s unknowns. By working with the most respected insurance carriers in the nation, we offer you quality private flood insurance that helps you recover from flood loss.


Private Flood Insurance for Your Property
What does it cover?
- Insured buildings
- Electrical & plumbing systems
- AC, furnaces, & water heaters
- Home appliances
- Carpeting & flooring.
- Permanently installed paneling
- Window blinds & shutters
- Debris removal, and more!

Flood Insurance for the Texas Gulf Coast
At Rick Tinker Insurance Agency, we provide private flood insurance protection to Galveston, Friendswood, TX, League City, and the surrounding areas in the Texas Gulf Coast. As part of a common hurricane zone, you need to have private flood insurance protection to keep your home and private property protected.
Our agents work with you to help you determine how much private flood insurance is necessary for your budget, lifestyle, and needs. With a thorough assessment, private flood insurance coverage is determined by a few key factors, including:
- Flood risks
- Type of coverage you require (building and contents coverage)
- Deductible and amount of building & content coverage
- Deductible and amount of building & content coverage
- Location of your structure
- Design & age of your structures