Serving Brazos County, Texas
Insurance for Bryan, College Station & Brazos County, Texas
Compare personal and business insurance from the companies we represent to find coverage that best fits your needs and budget.
- Serving
- Bryan (77801, 77802, 77803, 77807 and 77808), College Station (77840 and 77845) and communities throughout Brazos County.
- Coverage
- Home, auto, business, and farm and ranch.
- Work with us
- By phone or online with our independent agency in Madisonville.
Start with what you need to insure
Home
Your home & buildings
Review your home, belongings, other buildings and property use.
In Brazos County6 percent of homes are manufactured; 65 percent of College Station households rent (ACS 2020 to 2024).
Auto
Household vehicles
Review your vehicles, drivers and personal or work use.
In Brazos County3,192 crashes in Brazos County in 2025, 169 of them involving a commercial vehicle (TxDOT).
Business
Your business
Review your business property, operations, employees and contract requirements.
In Brazos County4,972 businesses with employees, including 82 plumbing, heating and air contractors and 81 landscaping companies (Census 2023).
Farm & ranch
Land & agricultural use
Discuss your land, buildings, livestock, equipment and agricultural activities.
In Brazos County1,103 farms, 53 percent under 50 acres; 51,794 cattle and calves (Census of Agriculture 2022).
Available options depend on your location, property and activities.
Meet your insurance team
Get help comparing quotes, understanding your coverage and requesting policy changes.
- Craig StoverAgency president helping families, landowners and businesses
- Steven StoverCommercial insurance · IIAT Board of Directors
- Tammy DriskellMore than 40 years of service with Stover & Crouch
- Sheila PiercePersonal auto specialist with 25 years at the agency
- Erin FergusonPersonal, business and farm & ranch insurance
- Tyler StoverCommercial insurance and operations with catastrophe claims experience
Brazos County
Local research & insurance insights
Bryan, College Station & unincorporated county
Brazos County flood-map status
FEMA’s community status book lists April 2, 2014 as the current effective flood map date for Brazos County, Bryan and College Station. The Federal Register has carried several Letters of Map Revision for the City of Bryan since 2023, most recently case 25-06-0311P with a September 28, 2026 modification date, and one for unincorporated Brazos County dated February 2, 2024.
- The National Flood Insurance Program had about 1,384 policies in force in Brazos County as of September 2026, covering about $427.7 million; 569 claims since 1978 have paid about $7.6 million. Most of that claim history sits in ZIP 77802 (Bryan) and ZIP 77840 (College Station).
- About 42 percent of the 1,007 homes inside the county's mapped high-risk zones carry a flood policy.
- Bryan (class 7) and College Station (class 6) take part in FEMA's Community Rating System, which discounts flood premiums 15 and 20 percent inside their mapped zones.
Our county graphic is a community locator. Flood zones alone do not establish coverage or premium.
FEMA community status book for Texas
OpenFEMA flood policy and claim data (as of September 8, 2026)
Bryan, College Station & rural properties
PPC fire rating & territory
PPC (Public Protection Classification) can affect home and business insurance prices.
- Territory
- Rated fire-service boundary and recognized automatic aid.
- Station
- Road miles to a recognized fire station.
- Water supply
- Distance to a creditable hydrant or other water supply.
Response areas are approximate, not verified PPC territories. Ask us to confirm your property’s PPC and territory; premium impact varies by insurer.
Brazos County · 2019 to 2024 records
Tornadoes, hail and home repairs
NWS surveys rated an EF-2 tornado about four miles east of Bryan along FM 1179 on April 24, 2019, which damaged a house and four commercial buildings, and an EF-1 tornado east of Wixon Valley on March 21, 2022 that pushed a home off its blocks. On April 8, 2021, hail up to 2.75 inches fell across Bryan and College Station. FEMA’s Hurricane Beryl declaration named the county for debris removal and emergency protective measures in 2024.
After repairs, share work dates, invoices, unfinished work and changes in occupancy or building use.
- National Weather Service records for 2016 to 2025 list 5 tornadoes in Brazos County (strongest EF2), hail of 1.75 inches or larger on 5 days, a peak thunderstorm gust of 85 mph, 8 flash floods and 4 winter or ice storms.
- FEMA's National Risk Index, a model rather than a claims record, puts Brazos County's largest expected building losses on tornado (relatively high) and hurricane (relatively moderate); it rates hail relatively moderate and wildfire very low.
Sources checked .
Plain answers
Brazos County insurance questions
Can you compare insurance companies in Bryan or College Station, TX?
Yes. As an independent agency, we compare options from more than one insurance company for home, renters, auto and business coverage. TDI’s home insurance guide notes that each company has its own underwriting rules and rates, so one may offer a policy when another won’t. You can work with us by phone or online from Bryan, College Station or anywhere in Brazos County, TX.
What affects home insurance rates in Bryan and College Station, TX?
TDI’s home insurance guide says most companies look at the home’s age and condition, its replacement cost, construction materials, where it sits, how close it is to a fire station and your claims history. Tell us about updates to the roof, wiring, plumbing or heating, and we can compare home insurance options and explain the limits and deductibles before you choose.
The median Brazos County home was built in 1997, and the median College Station home in 1999 (Census ACS 2020 to 2024), so roof age, wiring and plumbing updates come up on most reviews.
Do college students need renters insurance in College Station, TX?
It depends on where the student lives. A parent’s homeowners policy may cover a dependent student’s belongings in a residence hall, usually up to 10 percent of its personal property limit, according to TDI. Once a student signs a lease, ask whether that still applies. Texas law does not require renters insurance, but a landlord might, and TDI recommends that roommates each buy their own policy. We can compare renters insurance options for students and parents.
What if a household vehicle is kept at another address?
For an auto insurance review, give us the address where each vehicle is normally kept, the drivers who use it and what they use it for. Tell us about deliveries or other paid work as well as commuting so the review reflects the actual use.
As of August 31, 2026, about 10.7 percent of the vehicles registered in Brazos County could not be matched to an insurance policy in the state's TexasSure database, one reason we review uninsured motorist coverage on every auto quote.
Can you review a business or farm alongside my home insurance?
Yes. Bring the complete picture: buildings, land, tools, stock, vehicles and the work you do. Business insurance and farm and ranch insurance can raise different questions from home coverage, even when they share an address. We can discuss those needs together.
53 percent of Brazos County's 1,103 farms are under 50 acres (2022 Census of Agriculture), the size range where a hobby farm policy often fits better than a standard homeowners form.
Do I need landlord insurance to rent out a house in Bryan or College Station, TX?
Possibly, including for a house bought for a student who rents rooms to roommates. A homeowners policy is usually written for the home you live in, so a rental house may need landlord insurance, which is generally meant to cover the building and your liability as the owner. Tell us how the house is rented, and we can compare landlord insurance options.
Does starting a quote change my current coverage?
No. A quote request does not bind, change or cancel coverage. Coverage changes require written confirmation from the agency or carrier. For an existing policy, use our existing-client support page.
Next step
Let’s talk about your Brazos County coverage
Start with what you need to insure and how to reach you. You don’t need every checklist item to begin.
What to have ready
Gather the items that apply to your situation.
- Your current coverage summary, if available, and the date you need coverage.
- Each property address and whether it is owner-occupied, rented to others, vacant or used for work.
- Your drivers, vehicles, where vehicles are kept, and any delivery or business use.
- Business activities, equipment, employees and lease or customer requirements, if applicable.
- Owned or leased land, buildings, livestock and equipment relevant to a farm or ranch.