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Compare flood insurance agents in Des Moines. Review contact information and insurance categorys before you decide.
11 agents listed
Updated May 2026
Des Moines, 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 11 flood insurance agents in Des Moines, 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.
The Insurance Specialists Inc
514 E Euclid Ave, Des Moines, IA 50313
(515) 280-1207
insspecinc.com
Ligouri Insurance
4320 1/2 SW 9th St, Des Moines, IA 50315
(515) 285-0370
ligouri-insurance.com
Ketelsen Davis Agency
106 SW 7th St Ste B101, Des Moines, IA 50309
(515) 257-7072
agents.allstate.com
Boersma Insurance Services
100 Court Ave #310/450, Des Moines, IA 50309
(515) 327-7033
boersmainsurance.com
Adriana's Agency
1514 E Grand Ave Suite B, Des Moines, IA 50316
(515) 266-0402
adrianas-agency.com
Donahue Insurance Agency Inc
5925 SW 9th St, Des Moines, IA 50315
(515) 287-3919
Davis Insurance Agency
2815 Beaver Ave # 200, Des Moines, IA 50310
(515) 274-3838
davis-insurance.com
Crivaro Insurance Agency
2449 SW 9th St, Des Moines, IA 50315
(515) 288-5589
brockerkarns.com
Dallas Downey, DSM Insurance Guy
505 E Grand Ave, Des Moines, IA 50309
(515) 373-8988
dsminsuranceguy.com
Hartford Home Insurance Solutions
820 Lyon St #8, Des Moines, IA 50309
(808) 563-5011
home-insurance-desmoines.com
Downtown Insurance
655 Walnut St Suite 136, Des Moines, IA 50309
(515) 288-3004
downtowninsurance.net
A flood insurance agent in Des Moines can help you secure coverage through the National Flood Insurance Program or private insurers. Iowa law requires flood insurance for properties in high-risk flood zones if you have a federally backed mortgage. Agents in Des Moines understand local floodplain maps and can guide you on policy limits and deductibles.
What Does a Flood Insurance Agent in Des Moines Cost?
Flood insurance premiums in Iowa vary based on flood zone, property elevation, and coverage amount. For a standard NFIP policy, annual premiums can range from 700 to 2,500 dollars for a single-family home in Des Moines. Private flood insurance may offer different rates. 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 in Des Moines Iowa?
If your property is in a Special Flood Hazard Area and you have a federally backed mortgage, you are required to carry flood insurance. Even outside high-risk zones, flood damage is not covered by standard homeowners policies.
What does a flood insurance agent do in Des Moines?
A flood insurance agent helps you assess your flood risk, choose a policy that meets your needs, and complete the application. They also assist with filing claims and understanding coverage exclusions.
How long does it take to get flood insurance in Des Moines?
There is typically a 30-day waiting period before a new flood insurance policy takes effect. However, if you are purchasing a home with a mortgage, coverage can start at closing if the lender requires it.
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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.