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Compare flood insurance agents in Gary. Review contact information and insurance categorys before you decide.
7 agents listed
Updated May 2026
Gary, 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 7 flood insurance agents in Gary, 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.
Paul Dawning - State Farm Insurance Agent
5001 Cleveland St, Gary, IN 46408
(219) 884-6947
pauldawning.com
The Insurance Spot
1711 W Ridge Rd, Gary, IN 46408
(219) 884-1111
insurancespot1.com
Elite Guard Insurance Co
4861 Broadway, Gary, IN 46409
(219) 250-4540
Brickhouse Agency
37th & Harrison, Gary, IN 46408
(574) 842-0512
sbrickhouse.reliexchange.com
Moore Agency LLC
2992 W 11th Ave, Gary, IN 46404
(219) 291-8967
agents.farmers.com
Northwestern Mutual Life Insurance
2464 Burr St, Gary, IN 46406
(219) 327-5641
northwesternmutual.com
Blue Cross Blue Shield
915 N Vigo St, Gary, IN 46403
(888) 240-4130
Flood insurance agents in Gary, Indiana help property owners understand and purchase coverage through the National Flood Insurance Program or private insurers. Gary is located in Lake County near Lake Michigan, where many properties fall within Special Flood Hazard Areas. Indiana law does not require flood insurance for all homes, but mortgage lenders often mandate it for properties in high-risk zones.
What Does a Flood Insurance Agent in Gary Cost?
Flood insurance costs in Indiana vary by property location, elevation, and coverage amount. For a standard NFIP policy, annual premiums typically range from 400 to 2,500 dollars for a single-family home in Gary. Properties in high-risk zones or with basements may cost more. Private market policies can offer different pricing. This is general information and 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 if I live outside a flood zone in Gary?
Even properties outside mapped flood zones can experience flooding from heavy rain or drainage issues. Many agents recommend considering a Preferred Risk Policy, which offers lower premiums for moderate-to-low risk areas.
How does the 30-day waiting period work for flood insurance in Indiana?
Most NFIP policies have a 30-day waiting period before coverage begins. This means you cannot buy a policy right before a storm and expect immediate protection. Some exceptions apply for mortgage closings or map changes.
What flood zones are common in Gary Indiana?
Gary has areas designated as Zone A and Zone AE, which are high-risk flood zones near the Grand Calumet River and Lake Michigan shoreline. An agent can check your specific address using FEMA flood maps.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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.