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Compare flood insurance agents in Carmel. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Carmel, IN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Indiana before hiring.
Showing 20 flood insurance agents in Carmel, IN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Dean Ballenger Agency Inc
14767 Oak Rd, Carmel, IN 46033
(317) 867-5433
insurewithdean.com
Hittle Insurance
14801 Market Center Dr Suite 130, Carmel, IN 46033
(317) 895-5555
hittleinsurance.com
Adam Jurs State Farm Insurance Agency
718 Adams St # A, Carmel, IN 46032
(317) 844-7243
carmelautoinsurance.com
Penwell Insurance
600 E Carmel Dr Suite 162, Carmel, IN 46032
(317) 559-3022
penwellinsurance.com
BWC Insurance
13295 Illinois St # 134, Carmel, IN 46032
(317) 324-1489
bwcins.com
Goosehead Insurance - Ted King
13295 Illinois St Suite 302, Carmel, IN 46032
(317) 975-0303
goosehead.com
Shepherd Insurance
111 Congressional Blvd Suite 200, Carmel, IN 46032
(317) 846-5554
shepherdins.com
Binford Insurance
600 E Carmel Dr #269, Carmel, IN 46032
(317) 588-3825
binfordinsurance.com
The DeRoss Insurance Agency
1905 S New Market St Suite 265, Carmel, IN 46032
(317) 219-3100
thederossagency.com
Hoffman Insurance Strategies
580 E Carmel Dr SUITE 301, Carmel, IN 46032
(317) 991-1101
Steffey Insurance Agency
13295 Illinois St #307, Carmel, IN 46032
(317) 334-3743
steffeyins.com
Rain or Shine Insurance
231 Lark Dr Unit 1, Carmel, IN 46032
(317) 601-7472
rainorshineinsurance.com
Shelter Insurance - Thomas Pea
1717 E 116th St Ste 101, Carmel, IN 46032
(317) 844-6800
shelterinsurance.com
Midwest Insurance Indiana
11939 N Meridian St, Carmel, IN 46032
(317) 349-7943
Fearrin Insurance
110 N Rangeline Rd, Carmel, IN 46032
(317) 846-4275
fearrininsurance.com
Sunday Insurance Agency
301 E Carmel Dr SUITE C500, Carmel, IN 46032
(317) 571-5200
sundayins.com
Owners Insurance Co
11590 N Meridian St # 220, Carmel, IN 46032
(317) 574-4900
auto-owners.com
R.J. Rupp Insurance Agency
40 Executive Dr # C, Carmel, IN 46032
(317) 848-7241
rjruppinsurance.com
Goosehead Insurance - Andrew West Agency
10255 Commerce Dr Suite 212, Carmel, IN 46032
(317) 520-4804
Mutual Insurance IN
468 Gradle Dr, Carmel, IN 46032
(317) 207-6490
Flood insurance agents in Carmel Indiana assist homeowners and renters in obtaining coverage through the National Flood Insurance Program or private insurers. Indiana law requires lenders to mandate flood insurance for properties in high-risk flood zones. A local agent can explain the 30-day waiting period for NFIP policies and help you assess your flood risk near the White River or other waterways.
What Does a Flood Insurance Agent in Carmel Cost?
Flood insurance costs in Indiana vary based on flood zone property value and coverage amount. NFIP rates are set by FEMA and average around 700 to 1000 dollars per year for a standard policy. Private market premiums can range from 400 to 2000 dollars annually depending on risk factors. Higher risk properties in A or V zones may cost more. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance in Carmel Indiana?
If your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage you are required to have flood insurance. Even outside high-risk zones coverage is recommended since 20 percent of flood claims come from low to moderate risk areas.
What does a flood insurance agent do in Carmel?
A flood insurance agent evaluates your property flood zone and coverage needs then quotes policies from NFIP and private carriers. They help you understand policy limits deductibles and exclusions such as basement coverage limitations.
How long does it take for flood insurance to start in Indiana?
NFIP policies have a standard 30-day waiting period from the date of application before coverage begins. Exceptions apply for loans closing within 30 days or map revisions. Private policies may have different effective dates so ask your agent.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Indiana.