The top-rated flood insurance agent in Huntley, Illinois is Chad Radtke - State Farm Insurance Agent, rated 4.9 stars across 726 reviews. Other highly rated options include Sam Marshall - State Farm Insurance Agent, LaCaria & Associates, INC. American Family Insurance, Madigan Insurance Group. This directory lists 12 flood insurance agents serving Huntley.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Chad Radtke - State Farm Insurance Agent | 12396 Princeton Dr | (833) 480-0200 |
| 2 | Sam Marshall - State Farm Insurance Agent | 10773 IL-47 | (847) 659-1800 |
| 3 | LaCaria & Associates, INC. American Family Insurance | 11608 Dean St # 101 | (847) 669-1121 |
| 4 | Madigan Insurance Group | 12545 Farm Hill Dr #200 | (847) 457-1802 |
| 5 | Phil Almeraz - COUNTRY Financial Representative | 11381 Allison Ct | (847) 669-4000 |
| 6 | Farmers Insurance - Lynne Iverson | 12555 Farm Hill Dr Ste 900n | (847) 659-1100 |
| 7 | VitalCover Insurance LLC | 12288 Princeton Dr | (847) 752-4288 |
| 8 | CondoRisk Insurance Specialist | 10771 IL-47 | (224) 858-7777 |
| 9 | John Roe - COUNTRY Financial Representative | 11603 IL-47 Ste A | (815) 455-7080 |
| 10 | J L Jones Insurance & Retirement | 11503 Main St | (847) 669-1600 |
Chad Radtke - State Farm Insurance Agent serves the Huntley, Illinois area and surrounding McHenry County as a flood insurance agent. The company helps property owners secure policies that address risks from rising water and severe storms. Standard homeowners policies often do not cover flood damage, so this agency provides essential guidance on National Flood Insurance Program options and supplemental coverage. It assists clients with policy selection to protect homes and belongings against potential water-related losses. It also helps with claims support specific to flood events in the area.
Sam Marshall, a State Farm Insurance Agent in Huntley, IL, provides comprehensive flood insurance services, including policy review, claims assistance, and risk counseling. The agency offers plan evaluations to help clients understand their coverage needs and can adjust policies as conditions change. Service options are available for maintaining adequate protection over time. The agency services a variety of properties, such as single-family homes, apartments, retail spaces, and restaurants in the local area.
LaCaria & Associates, INC. American Family Insurance serves homeowners, businesses, and property managers in the Huntley, IL area with flood insurance agent services. The agency assists clients in reviewing flood zone risks and selecting appropriate National Flood Insurance Program policies to protect their properties. It helps navigate coverage options and claims support for water damage from storms or overflow. The company also extends its flood insurance services to neighboring Lake in the Hills and the greater McHenry County region.
Madigan Insurance Group, in Huntley, IL, helps clients decide between a one-time flood certificate or a recurring flood policy, which is essential since standard homeowners insurance typically excludes flood damage. Coverage options generally protect the building structure and its contents from rising water. The area’s proximity to the Fox River and local floodplains makes this protection particularly relevant. Service is available on a one-time, scheduled, or as-needed basis to match specific property needs.
Phil Almeraz - COUNTRY Financial Representative in Huntley, IL, specializes in flood insurance policies that protect homes and businesses from water damage. The agency also offers guidance on coverage options and risk assessment. It serves local property owners by explaining policy details and helping them secure appropriate protection. During spring thaws or heavy rain seasons, the company assists clients in reviewing their flood insurance to address potential rising water threats from nearby rivers or storm drains.
Farmers Insurance - Lynne Iverson serves Huntley, Illinois, and the surrounding communities in McHenry and Kane Counties, handling flood insurance policies for homeowners and businesses in this flood-prone region. It assists clients in understanding federal flood zone designations and securing appropriate coverage through the National Flood Insurance Program. To manage a typical policy, it reviews the property’s flood risk based on elevation maps, then guides the client through selecting a plan that meets local lender requirements and personal protection needs.
VitalCover Insurance LLC works with homeowners and property owners in the Huntley, Illinois area to secure general property coverage. The agency specifically focuses on writing flood insurance policies to protect against water damage from storms and rising bodies of water. Policies are designed to cover structures, contents, or both under standard flood program guidelines. The agency assists commercial clients operating offices, warehouses, and food service establishments in obtaining necessary flood protection for their business locations.
Spring rains and rapid snowmelt can surprise many Huntley homeowners with unseen flood risks. CondoRisk Insurance Specialist helps residential property owners understand their exposure and secure appropriate flood coverage through the National Flood Insurance Program and private carriers. The agency focuses exclusively on flood policies, ensuring clients carry protection that standard home insurance excludes. CondoRisk evaluates each property’s flood zone designation and previous claim history. A detailed inspection of the structure and surrounding drainage is typically the first step when a homeowner requests a coverage review.
John Roe - COUNTRY Financial Representative serves the Huntley, Illinois area as a dedicated flood insurance agent. The company helps property owners secure coverage against water damage from rising waters, a critical need for homes and businesses located near floodplains. It works to explain federal program requirements and standard policy options for protecting structures and contents. As a local specialist, this agency also can add on tailored personal liability protection to a standard flood insurance policy.
J L Jones Insurance & Retirement provides residential flood insurance guidance in Huntley, IL, helping homeowners secure coverage tailored to property-specific flood risks. The agency also assists local commercial clients in assessing business flood exposures and obtaining appropriate policies. Service extends throughout the Huntley area and surrounding communities. After an initial policy setup, agents remain available to review coverage during each renewal period, ensuring limits keep pace with changing flood zone maps and property values. This follow-up support allows clients to maintain continuous, appropriate protection between periodic policy reviews.
What Does a a Flood Insurance Agent in Huntley Cost?
The cost of flood insurance in Huntley varies based on flood zone, property value, and elevation. Typical NFIP premiums range from 700 to 2,500 dollars per year for a single-family home in a moderate-risk area. High-risk zones can see premiums above 3,000 dollars. Private insurers may offer lower rates for low-risk properties. This is general information and not insurance advice.
About flood insurance agents in Huntley
Flood insurance agents in Huntley, Illinois help property owners understand their flood risk and obtain coverage through the National Flood Insurance Program or private insurers. Illinois law requires flood insurance for properties in high-risk flood zones with a federally backed mortgage. Huntley is located in McHenry County, which has areas prone to flooding from the Kishwaukee River and local drainage issues.
Frequently Asked Questions
Do I need flood insurance in Huntley Illinois?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, flooding can occur, and many property owners choose to buy coverage.
How do I find a flood insurance agent in Huntley?
You can search for licensed agents through the Illinois Department of Insurance website or ask local real estate professionals for referrals. Agents must be licensed in Illinois to sell flood insurance policies.
What does flood insurance cover in Illinois?
Standard flood insurance policies from the NFIP cover up to 250,000 dollars for the building and 100,000 dollars for contents. Private policies may offer higher limits. Coverage does not include basements or below-ground structures.
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