Homeowners insurance in Breckenridge, Texas does not cover flood. Flood insurance is a separate policy. This page is for Breckenridge in Stephens County, not Breckenridge, Colorado.
The case for flood insurance in Breckenridge
Breckenridge had about 5,187 people in the 2020 census, in ZIP 76424. The local home-policy risks are hail and wind. Flood is the loss those policies leave out: water that rises from a creek, a drainage ditch, or a street after heavy rain. A house does not have to be in a high-risk zone to flood, and a zone designation can change.
If a lender requires flood insurance, the requirement is about the loan and the map, not about whether you have already had a claim. Wind-driven rain through a hole in the roof is generally a home claim. Water coming in at ground level is generally flood.
Breckenridge has two Freedom Insurance Group offices, both at (254) 559-6546: 518 North Breckenridge Avenue and 520 N Breckenridge Ave, Breckenridge, TX 76424.
Key NFIP points for Breckenridge homeowners
NFIP residential building coverage tops out at $250,000, and contents at $100,000. Those caps are set by the program. They are not the premium. Houses that would cost more to repair can add excess flood when a carrier offers it.
Coverage usually does not start the day you apply. The common NFIP waiting period is 30 days, with exceptions such as a loan closing. Some areas below grade, and some property in a basement, are limited or excluded. Read the declarations and the form before you count on a limit.
What affects the flood premium
- Flood zone and, when it exists, the relationship between the lowest floor and base flood elevation.
- Foundation type and whether machinery sits above the first floor.
- Building and contents limits. Contents coverage is optional.
- Private flood versus NFIP, if a private carrier will write 76424 for that construction.
We do not publish a citywide flood price. The address decides it.
How this fits with home and auto
The home policy is for hail, wind, fire, and liability. The flood policy is for flood. If flood water ruins a vehicle, that is usually comprehensive on the auto policy, not the house policy. Both Breckenridge offices can quote the three together.
Breckenridge waterways, maps, and flood history
Census Gazetteer files put Breckenridge’s land area at about 4.2 square miles, with almost no open water inside its boundary. Breckenridge lies within Stephens County.
The USGS Geographic Names Information System (GNIS) places Walker Branch, Brown Branch, Petroleum Corporation of Texas Reservoir, Rush Branch, and Big Branch within about 2 miles of Breckenridge’s center point. Low ground along waterways like these is where flood-zone questions usually start.
The Census Bureau’s ACS 2020–2024 estimates show that about 75% of Breckenridge’s homes were built before 1980 and 1.0% since 2010. A home built before the first FIRM (1981) counts as pre-FIRM, which still matters when a flood policy is priced.
FEMA’s NFIP status records list Breckenridge as a participating NFIP community (number 480578), first mapped on a Flood Insurance Rate Map in 1981. The effective map panel date is January 2, 1991.
NOAA’s Storm Events Database logged 1 flash-flood report inside about 5 miles of Breckenridge from 2016 through 2025. It was logged in May 2021 close to Breckenridge. NOAA attached a property-damage estimate to it.
In Stephens County, FEMA tallies 89 residential flood policies in force for about 3,264 residential structures, close to 2.7% of homes. Inside the mapped Special Flood Hazard Area, 78 of 34 structures are insured for flood (229%), which means flood coverage is the exception, not the rule.
FEMA’s National Risk Index scores inland-flooding risk in Stephens County as “Very Low”.
From 2000 to date, Stephens County has been covered by 5 federal disaster or emergency declarations tied to flooding or tropical weather; the latest is Severe Storms and Flooding (June 2016).
Breckenridge first appeared on a FEMA Flood Hazard Boundary Map in 1974, per the NFIP Community Status Book. Federal records show the first flood-related major disaster declaration for Stephens County was DR-561, Severe Storms and Flooding, in August 1978. Before 2000 the county was named in 2 flood-related major declarations in total.
