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HomeFlood Insurance AgentsIllinois › St. Charles

Find Flood Insurance Agents Near You in St. Charles, IL

Browse flood insurance agents serving St. Charles, Illinois. Updated 2026-07-14.

The top-rated flood insurance agent in St. Charles, Illinois is Bill Nelson - State Farm Insurance Agent, rated 5.0 stars across 311 reviews. Other highly rated options include Chris Knapp - State Farm Insurance, David Meisenheimer - State Farm Insurance Agent, Relation Insurance - Joseph M. Wiedemann & Sons Inc. This directory lists 18 flood insurance agents serving St. Charles.

Showing 18 flood insurance agents in St. Charles, ILListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Bill Nelson - State Farm Insurance Agent1309 W Main St(630) 443-5100
2Chris Knapp - State Farm Insurance1103 W Main St(630) 584-8500
3David Meisenheimer - State Farm Insurance Agent311 N 2nd St Ste 106(630) 377-1300
4Relation Insurance - Joseph M. Wiedemann & Sons Inc303 E Main St STE B(847) 228-8400
5Rosenberg Insurance & Financial1121 E Main St Suite 200(630) 576-0009
6Donna Tonovitz - COUNTRY Financial Representative1750 E Main St STE 90(630) 549-7694
7Asim Hamidi: Allstate Insurance Saint Charles IL2020 Dean St STE J(630) 225-9325
8Hazen Insurance Agency, Inc.1100 W Main St STE B(630) 485-5100
9RKM Insurance Services, INC.100 Illinois St Ste 200A(630) 796-4422
10AAA St Charles540 N Kirk Rd(630) 587-7700
BN
1309 W Main St
Bill Nelson - State Farm Insurance Agent
Flood Insurance Agent · St. Charles, IL

Bill Nelson - State Farm Insurance Agent serves St. Charles, Illinois and the surrounding Kane County area, specializing in flood insurance coverage for residential and commercial properties. The agency helps local homeowners and business owners navigate National Flood Insurance Program requirements, protecting structures and contents from water damage. Many properties in the region fall within designated flood zones, making this service essential. The office also assists with preparing flood loss documentation and coordinating claims support for policyholders.

CK
1103 W Main St
Chris Knapp - State Farm Insurance
Flood Insurance Agent · St. Charles, IL

Chris Knapp - State Farm Insurance provides flood insurance services to properties in the St. Charles, Illinois area. The agency helps clients understand flood zone risks and secure appropriate coverage to protect against water damage. Routine policy reviews and updates are offered to ensure coverage remains aligned with changing flood maps and property values. It also assists with filing claims after a flood event. The agency serves single-family homes, apartments, retail spaces, and restaurants in the local community.

DM
311 N 2nd St Ste 106
David Meisenheimer - State Farm Insurance Agent
Flood Insurance Agent · St. Charles, IL

David Meisenheimer - State Farm Insurance Agent serves homeowners, businesses, and property managers in St. Charles, IL, with flood insurance policies that protect structures and contents from water damage. The agency helps clients assess their flood risk and navigate flood zone requirements, ensuring coverage aligns with local floodplain regulations. Residents and commercial property owners can obtain personalized quotes and policy reviews from this office. The agent also serves nearby Geneva and the broader Fox Valley metro area.

RI
303 E Main St STE B
Relation Insurance - Joseph M. Wiedemann & Sons Inc
Flood Insurance Agent · St. Charles, IL

Serving St. Charles and the surrounding Fox Valley communities, this agency handles residential and commercial flood insurance policies for property owners. It navigates the complexities of the National Flood Insurance Program and private market options, helping clients secure coverage that meets lender requirements and protects against local flood risks. For a typical assignment, the agent evaluates a property’s flood zone designation and elevation data, then presents policies that match the client’s specific exposure.

RI
1121 E Main St Suite 200
Rosenberg Insurance & Financial
Flood Insurance Agent · St. Charles, IL

In the flood-prone Fox River region near St. Charles, spring thaws and sudden summer storms can quickly overwhelm local drainage systems. Rosenberg Insurance & Financial responds by guiding property owners through the specific flood insurance policies available for their exposure level and property type, from structural coverage to contents protection. The agent works to explain the standard thirty-day waiting period and the difference between Preferred Risk and Standard-rated policies. An initial property inspection and flood zone assessment begins every new client conversation to establish accurate coverage needs.

DT
1750 E Main St STE 90
Donna Tonovitz - COUNTRY Financial Representative
Flood Insurance Agent · St. Charles, IL

Donna Tonovitz - COUNTRY Financial Representative provides flood insurance services for residential properties in the St. Charles, Illinois area. The agency also offers commercial flood coverage, serving clients throughout the local region. All flood insurance policies are designed to protect property from rising water and storm-related damage. Clients can depend on thorough policy explanations during initial consultations and ongoing support after a flood event. The office maintains consistent contact to arrange necessary follow-up coverage adjustments or renewals between regular inspection visits.

AH
2020 Dean St STE J
Asim Hamidi: Allstate Insurance Saint Charles IL
Flood Insurance Agent · St. Charles, IL

Asim Hamidi: Allstate Insurance Saint Charles IL specializes in protecting homes and businesses from water damage through flood insurance policies. The agency serves the St. Charles, Illinois area by helping property owners understand their flood risk and select appropriate coverage. This work includes guidance on federal floodplain requirements and private policy options. Residents facing the Fox River’s spring snowmelt or sudden summer storms can rely on this agency to arrange coverage before waters rise.

HI
1100 W Main St STE B
Hazen Insurance Agency, Inc.
Flood Insurance Agent · St. Charles, IL

Hazen Insurance Agency, Inc. provides property coverage guidance for property owners throughout the St. Charles area. The agency specializes specifically in flood insurance policies to help protect against water damage. These policies address risks from rising waters that standard hazard plans typically exclude. The team advises residential and commercial clients on appropriate flood protection levels. Their services can benefit various commercial sectors including offices, warehouses, and food service establishments.

RI
100 Illinois St Ste 200A
RKM Insurance Services, INC.
Flood Insurance Agent · St. Charles, IL

RKM Insurance Services, INC., based in St. Charles, IL, is a flood insurance agency known for guiding clients through the complexities of flood protection policies. The company serves residential and commercial properties throughout the region, addressing various flood zone risks and coverage needs. Clients benefit from thorough assessments of structural vulnerabilities and policy options tailored to local water exposure patterns. As a specialty service, RKM Insurance Services can add on separate contents coverage to ensure personal belongings receive adequate protection beyond standard structural policies.

AS
540 N Kirk Rd
AAA St Charles
Flood Insurance Agent · St. Charles, IL

AAA St Charles in St. Charles, IL offers flood insurance as either a one-time policy for new home buyers or a recurring annual plan to maintain continuous coverage against rising water risks. The company helps local residents secure protection that covers structural repairs and contents replacement after overflow events. Clients can rely on dedicated support for claims filing and policy updates throughout the year. Service is provided on both a scheduled basis for annual renewals and an as-needed basis for initial policy setup or emergency adjustments.

CM
3755 E Main St Ste 200
Chris Muehlschlegel: Allstate Insurance
Flood Insurance Agent · St. Charles, IL
(630) 443-4141
agents.allstate.com/chris-muehlschlegel-saint-charles-il1.html
SI
4N645 School Rd
Shelter Insurance - Katherine Zimmerman
Flood Insurance Agent · St. Charles, IL
(630) 879-6100
shelterinsurance.com/CA/agent/KZIMMERMAN
AI
1350 E Main St
AAA Insurance - Schejbal Insurance Agency
Flood Insurance Agent · St. Charles, IL
(630) 587-1650
aaa.com/schejbal
BF
2435 Dean St #2d
Brian Feltes & Associates, Inc.
Flood Insurance Agent · St. Charles, IL
(630) 762-9090
feltesinsurance.com
NI
218 State St Ste 2
Nationwide Insurance: Julien Insurance Agency Inc.
Flood Insurance Agent · St. Charles, IL
(630) 845-2740
agency.nationwide.com/il/saint-charles/60174/julien-insurance-agency-inc
SI
345 S 2nd Ave
Star Insurance CO
Flood Insurance Agent · St. Charles, IL
(309) 270-8015
RC
11 E Main St
Railside Citrus Insurance Agency
Flood Insurance Agent · St. Charles, IL
(630) 377-0700
railsidecitrus.com
DI
605 W Main St
Debruyne Insurance Agency, Inc.
Flood Insurance Agent · St. Charles, IL
(630) 377-7799
debinsinc.com

What Does a a Flood Insurance Agent in St. Charles Cost?

Flood insurance costs in Illinois vary by property location elevation and coverage amount. Average annual premiums for NFIP policies in St. Charles range from 700 to 2000 dollars. Private insurers may offer different rates. This is general information and not insurance advice.

About flood insurance agents in St. Charles

Flood insurance agents in St. Charles Illinois help property owners secure coverage through the National Flood Insurance Program or private insurers. Illinois law requires flood insurance for properties in designated flood hazard areas if the owner has a federally backed mortgage. Agents can explain local flood risks and policy options specific to the Fox River area.

Frequently Asked Questions

Do I need flood insurance in St. Charles Illinois?

If your property is in a Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, many property owners choose coverage due to local flood risks from the Fox River.

What does a flood insurance agent do in St. Charles?

A flood insurance agent helps you compare policies from NFIP and private insurers. They assess your property risk, explain coverage limits and deductibles, and assist with the application process.

How long does it take to get flood insurance in Illinois?

NFIP policies typically have a 30 day waiting period before coverage begins. Private insurers may offer shorter waiting periods. Plan ahead to avoid gaps in coverage.

Flood Insurance Agents in Other Illinois Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each flood insurance agent's credentials and current standing with your state Department of Insurance.