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Directory of flood insurance agents in Ames, Iowa. Verify credentials with the state department of insurance before hiring.
19 agents listed
Updated May 2026
Ames, IA
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 Iowa before hiring.
Showing 19 flood insurance agents in Ames, IA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Fortress Insurance Services
426 S 17th St, Ames, IA 50010
(515) 337-8700
thefortressins.com
Mark Doyle - State Farm Insurance Agent
2701 Stange Rd Ste 110, Ames, IA 50010
(515) 232-8090
markdoyleinsurance.com
Scott Richardson - State Farm Insurance Agent
101 Main St, Ames, IA 50010
(515) 232-0030
scottrichardsonagency.com
Louis Slaughter III - State Farm Insurance Agent
3515 Lincoln Way #102, Ames, IA 50014
(515) 292-9030
louisslaughterinsurance.com
Pat Brown - State Farm Insurance Agent
1112 Buckeye Ave, Ames, IA 50010
(515) 233-1295
patbrownagency.net
AlekCO Insurance
119 Stanton Ave STE 702, Ames, IA 50014
(515) 978-9040
alekcoinsurance.com
Severson Insurance Agency, Inc
3206 Grand Ave #102, Ames, IA 50010
(515) 232-7203
seversoninsurance.com
Shelter Insurance - Mike Dolan
1228 Grand Ave, Ames, IA 50010
(515) 232-3555
shelterinsurance.com
Gallagher Insurance, Risk Management & Consulting
1416 Buckeye Ave, Ames, IA 50010
(515) 232-7060
assuredpartners.com
Katherine Frame American Family Insurance
809 Wheeler St #109, Ames, IA 50010
(515) 232-4142
amfam.com
Farmers Insurance - Mathew Johnson
123 6th St, Ames, IA 50010
(515) 278-2249
agents.farmers.com
Joe Leto - COUNTRY Financial Representative
315 6th St #205, Ames, IA 50010
(515) 233-3045
advisors.countryfinancial.com
Highness Insurance Agency: Allstate Insurance
516 Lincoln Way # B, Ames, IA 50010
(515) 232-0771
agents.allstate.com
Angela Laughlin Agency Inc. American Family Insurance
3505 Lincoln Way Ste 103, Ames, IA 50014
(515) 232-2182
amfam.com
Scott Lawrence American Family Insurance
2713 Stange Rd #101, Ames, IA 50010
(515) 232-3333
amfam.com
Alliance General Insurance
415 S Duff Ave Ste B, Ames, IA 50010
(515) 232-9271
alliancegeneralinsurance.com
Farm Bureau Financial Services: Dan Siegfried
2010 Philadelphia St #8, Ames, IA 50010
(515) 233-4411
fbfs.com
Farm Bureau Insurance
2010 Philadelphia St, Ames, IA 50010
(515) 233-2480
Hoyng Insurance Group
4820 Mortensen Rd #102, Ames, IA 50014
(515) 292-2171
hoynginsurancegroup.com
Flood insurance agents in Ames, Iowa help homeowners and businesses secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Iowa law does not require flood insurance for all properties, but lenders often mandate it for properties in Special Flood Hazard Areas (SFHAs) as mapped by FEMA. Working with a local agent ensures you understand Ames specific flood risks near the Skunk River and Squaw Creek.
What Does a Flood Insurance Agent in Ames Cost?
The average cost of a flood insurance policy in Iowa is around $700 to $1,200 per year for a standard NFIP policy. Premiums depend on your propertys flood zone, elevation, and coverage amount. Private policies may be cheaper or more expensive based on risk. 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 if I live outside a flood zone in Ames?
You are not legally required to have flood insurance outside a FEMA-designated flood zone. However, heavy rainfall in Iowa can cause flash flooding, so many agents recommend a policy even for low-risk areas.
How does Iowa law affect flood insurance claims?
Iowa follows standard NFIP rules for claims. You must file a proof of loss within 60 days of the damage. A local agent can help you document your claim and meet all deadlines.
Can I buy flood insurance from any agent in Ames?
Yes, but only agents who are licensed in Iowa and appointed by an NFIP Write Your Own (WYO) company can sell NFIP policies. Private flood insurance is also available through licensed surplus lines agents.
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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 Iowa.