Insurance in College Station, Texas

Big 6 lane shifts and the Bush-Wellborn crossing

TxDOT's Big 6 project, under construction since December 1, 2025, is widening 11.5 miles of SH 6, from SH 21 in Bryan to SH 40 (William D. Fitch Parkway), from two main lanes each way to three. Plans include a diverging diamond interchange at University Drive, collector-distributor lanes at Harvey Road and Rock Prairie Road, and dual ramps at SH 40. A separate project will drop George Bush Drive below the Union Pacific tracks at Wellborn Road, carry Wellborn through traffic on flyovers and move pedestrians above Wellborn. TxDOT calls it a key intersection on Aggie Gameday and plans to start construction in 2027. South of SH 40, TxDOT proposes widening two-lane Wellborn Road to four lanes with a raised median to Greens Prairie Road.

TxDOT's 2024 table records 1,399 crashes in College Station, 4 of them fatal and 51 involving suspected serious injuries. Long work zones are a reason to review collision, uninsured motorist and rental reimbursement coverage. College Station Police provide crash reports by mail (Police Records, PO Box 9960, College Station, TX 77842) or in person for $6, or $8 certified. Pay by check, or cash at the window; questions go to 979-764-5096. The same police reporting page posts the CR-2 Blue Form for drivers.

Wolf Pen Creek, Harvey Road and hail years

The city's floodplain page names 13 creeks that raise flood risk in major rains, among them Wolf Pen, Bee, Lick and Alum, and says a quarter of flood damage each year happens on properties outside the floodplain. On April 28, 2024, flash flooding on Wolf Pen Creek made nearby roads impassable. On May 16, 2024, Harvey Road (SH 30) just east of SH 6 went under water. The city also flags the 30-day wait before flood coverage applies, so a flood policy typically needs to be bought at least a month before a storm.

Baseball size hail was reported near Easterwood Field on April 8, 2021, and on March 15, 2025, NOAA logged countless hail reports from College Station, up to 2 inches. On June 3, 2023, the Kyle Field weather station, mounted 340 feet up, measured a 74-knot gust, and wind destroyed the brick facade of an apartment building. Comprehensive coverage, if you carry it, typically pays for hail on a car, and a hail or wind roof claim on a home may fall under a separate wind and hail deductible (roof coverage).

College Station maps and alerts

See Brazos County for county-wide questions. SH 6, the Big 6 corridor, carries on north through Bryan toward Waco. Two resources:

• Floodplain maps: the city's floodplain page links its Planning and Development map and FEMA's map center. New homes in a mapped floodplain need the lowest floor at least one foot above base flood elevation.
• Emergency alerts: Brazos County's alert page says its CodeRED system is down and warnings are going out through FEMA's IPAWS, so keep emergency alerts switched on in your phone settings.

Local risk: the federal disaster record in College Station

Since 2000, FEMA has made 14 disaster, emergency or fire-management declarations covering Brazos County. By type:

• Hurricanes and coastal storms: 7
• Wildfires: 2
• Winter and ice storms: 2
• Floods: 1

Most recent major disaster declarations:

• 2024: Hurricane Beryl
• 2021: Severe Winter Storms
• 2016: Severe Storms And Flooding
• 2008: Hurricane Ike

Wildfire risk makes replacement-cost coverage, adequate dwelling limits and additional living expenses coverage especially important. Keep a home inventory somewhere other than your home.

Winter storms can freeze pipes and cut power. Most home policies cover sudden burst-pipe damage, but insurers can deny claims when a home wasn't kept heated. Ask how your policy handles it.

Not every hurricane declaration here means a storm hit: many were emergency declarations for sheltering evacuees from the coast, or statewide declarations. College Station is far from storm surge, but tropical systems moving inland can still bring heavy rain and strong wind. Check your wind and hail deductible and whether you need a separate flood policy, since home policies leave flooding out.

Declarations count how often federal help was declared, not how bad each event was. Statewide declarations (such as the February 2021 winter storm) are counted for every county, and the total includes the two 2020 COVID-19 declarations, which aren’t listed by type. These are Brazos County figures; FEMA doesn't publish them by city.

Home insurance in College Station

Brazos County isn't in TWIA's coastal area, so wind and hail are usually covered by your regular home policy, often with a separate wind and hail deductible. If you can't find coverage at all, the Texas FAIR Plan is the last-resort option.

Flooding isn’t covered by standard home or renters policies anywhere in Texas. With 8 flood or hurricane declarations in Brazos County since 2000, it's worth pricing a flood policy even outside a mapped flood zone.

Texas law also sets claim deadlines: your insurer must acknowledge a claim within 15 days and accept or deny it within 15 business days of getting what it needs. See Texas home insurance.

Car insurance in College Station

Every Texas driver needs at least 30/60/25 liability coverage. PIP is included and uninsured motorist coverage must be offered unless you reject them in writing. Given the storm and flood history here, comprehensive coverage, which pays for hail and flood damage to your own car, matters more than the minimum suggests. Rates vary by ZIP code within College Station. See Texas car insurance.

Medicare in College Station

30,475 Brazos County residents are eligible for Medicare, and 50.44% of them are enrolled in a Medicare Advantage plan (CMS, September 2026). Plans are sold by county, so compare what’s available in your ZIP code on the Medicare Plan Finder, and review your coverage during Open Enrollment, October 15 to December 7.

Free, unbiased Medicare counseling for Brazos County comes from the Brazos Valley AAA (979-595-2806 Ext. 5), part of Texas’s HICAP program. See Medicare in Texas.

ZIP codes in College Station

77840 · 77841 · 77842 · 77843 · 77844 · 77845

Common questions