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HomeFlood Insurance AgentsKansas › Gardner

Find Flood Insurance Agents Near You in Gardner, KS

Browse flood insurance agents serving Gardner, Kansas. Updated 2026-07-14.

The top-rated flood insurance agent in Gardner, Kansas is Joe Oldham - State Farm Insurance Agent, rated 4.9 stars across 156 reviews. Other highly rated options include MJH Insurance, Farmers Insurance - Robert Kelly Insurance Agency, Inc, T Miller and Associates Inc American Family Insurance. This directory lists 10 flood insurance agents serving Gardner.

Showing 10 flood insurance agents in Gardner, KSListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Joe Oldham - State Farm Insurance Agent224 E Main St(913) 856-6124
2MJH Insurance345 N Moonlight Rd(913) 856-0002
3Farmers Insurance - Robert Kelly Insurance Agency, Inc235 E Main St(913) 856-3816
4T Miller and Associates Inc American Family Insurance213 E Main St(913) 856-6177
5Ample Green Insurance526 E Main St(913) 372-7979
6Shelter Insurance - Sharla Neis950 E Lincoln Ln b(913) 938-5030
7Farm Bureau Financial Services112 S Elm St(913) 856-2197
8Security 1st Title104 E Main St(913) 938-5340
9ALFT Insurance Agency Inc230 E Main St B(913) 856-8050
10Sean Snyder112 S Elm St(913) 856-2197
JO
224 E Main St
Joe Oldham - State Farm Insurance Agent
Flood Insurance Agent · Gardner, KS

Joe Oldham - State Farm Insurance Agent serves Gardner, Kansas, and the surrounding Johnson County area. The agency specializes in providing flood insurance policies for homeowners and renters. These are often required for properties located in high-risk flood zones. The agent helps clients review coverage limits and deductibles to ensure properties are protected against flood damage. Secure your home's financial safety with a customized policy in Gardner. The agency can assist with both commercial and residential flood insurance requests.

MI
345 N Moonlight Rd
MJH Insurance
Flood Insurance Agent · Gardner, KS

MJH Insurance provides flood insurance services for properties in Gardner, Kansas, assisting clients in understanding their coverage options for this specific risk. The company offers policy reviews and guidance on plan selection to help property owners address potential flood exposure. Its maintenance plans focus on ensuring that current policies remain appropriate as circumstances or regulations change. MJH Insurance serves a variety of properties, including single-family homes, apartments, retail spaces, and restaurants in the local area.

FI
235 E Main St
Farmers Insurance - Robert Kelly Insurance Agency, Inc
Flood Insurance Agent · Gardner, KS

Homeowners, businesses, and property managers in Gardner, KS, turn to Farmers Insurance - Robert Kelly Insurance Agency, Inc for comprehensive flood insurance policies. The agency helps clients understand coverage options for protecting structures and contents from water damage. Policies are tailored to meet individual risk assessments and local flood zone requirements. Neighboring communities such as Olathe are also included in the service area.

TM
213 E Main St
T Miller and Associates Inc American Family Insurance
Flood Insurance Agent · Gardner, KS

Serving Gardner, Kansas, and the surrounding communities within the flood-prone regions of the Kaw River valley, T Miller and Associates Inc American Family Insurance handles residential and commercial flood insurance policies. The agency guides clients through the intricacies of the National Flood Insurance Program requirements and private coverage options. To complete a typical job, it evaluates a property’s specific flood zone designation and flood history, then tailors a policy that provides adequate financial protection for the structure and its contents.

AG
526 E Main St
Ample Green Insurance
Flood Insurance Agent · Gardner, KS

Ample Green Insurance assists Gardner homeowners with both one-time flood policy purchases and recurring annual renewals tailored to evolving risk levels. Coverage options include standard federal flood policies and supplemental plans for basements or personal property. The agency evaluates local flood zone maps and floodplain regulations to recommend appropriate limits. Service operates on an as-needed basis, allowing clients to request consultations or policy adjustments when flooding threats emerge or property circumstances change.

SI
950 E Lincoln Ln b
Shelter Insurance - Sharla Neis
Flood Insurance Agent · Gardner, KS

Shelter Insurance with agent Sharla Neis in Gardner, Kansas provides specialty flood insurance services to protect properties in local flood zones. The agency also handles general residential and commercial insurance needs for area clients. Its work involves assessing flood hazards using FEMA maps and guiding homeowners through policy options. Flood insurance is a separate policy from standard homeowners coverage. This agent especially helps residents prepare for the increased flood risk during the spring snowmelt and heavy rain seasons in this region.

FB
112 S Elm St
Farm Bureau Financial Services
Flood Insurance Agent · Gardner, KS

When seasonal storms threaten the Gardner area, homeowners often seek reliable guidance on protecting their properties from rising water. Farm Bureau Financial Services in Gardner, KS, assists clients by explaining flood insurance coverage options and answering questions about federal requirements. The company helps residents understand how standard policies differ from supplemental protection against flood damage. Property owners can schedule a consultation to discuss specific risks and coverage needs, leading to a personalized review of their home’s current situation followed by a practical initial assessment visit.

S1
104 E Main St
Security 1st Title
Flood Insurance Agent · Gardner, KS

Security 1st Title in Gardner, Kansas provides general title and escrow services to facilitate real estate transactions. The firm adds a specialty in flood insurance agency work, helping property owners obtain required flood coverage for mortgage closings and property protection. This dual capability assists clients in navigating flood zone requirements and policy options. The company serves commercial sectors including offices, warehouses, and food service operations.

AI
230 E Main St B
ALFT Insurance Agency Inc
Flood Insurance Agent · Gardner, KS

ALFT Insurance Agency Inc serves homeowners in Gardner, KS, by offering residential flood insurance policies to protect against water damage. Commercial clients can also secure coverage tailored to business property needs. The firm operates locally, assisting residents throughout the Gardner area with navigating flood risk assessments and policy selection. After initial policy setup, the agency follows up to ensure coverage remains adequate, providing ongoing support and adjustments between routine visits to maintain proper protection for changing conditions.

SS
112 S Elm St
Sean Snyder
Flood Insurance Agent · Gardner, KS

Sean Snyder in Gardner, Kansas, is known for helping property owners navigate flood insurance policies and coverage options in the local area. This agent works with homeowners and businesses to assess flood risk and secure appropriate protection against potential water damage. Services typically include reviewing National Flood Insurance Program requirements and private market alternatives. An add-on service this agent can provide is assisting clients with elevation certificate interpretation for accurate premium assessment.

What Does a a Flood Insurance Agent in Gardner Cost?

Flood insurance costs in Kansas vary based on flood zone property value and coverage amount. An average NFIP policy in Gardner can range from 500 to 2000 dollars per year. Properties in high risk zones may pay more. This is general information not insurance advice.

About flood insurance agents in Gardner

Flood insurance agents in Gardner Kansas help property owners protect against flood damage. Kansas participates in the National Flood Insurance Program which makes federally backed policies available. Local agents can guide you through flood zone maps and coverage options specific to Johnson County.

Frequently Asked Questions

Do I need flood insurance in Gardner Kansas?

If your property is in a high risk flood zone your lender will require flood insurance. Even outside high risk areas flooding can occur so many homeowners choose coverage. Gardner follows FEMA flood maps for zone designations.

What does a flood insurance agent do in Kansas?

An agent helps you assess your flood risk and choose an NFIP policy. They explain coverage limits deductibles and waiting periods. They also assist with filing claims after a flood event.

Is there a waiting period for flood insurance in Kansas?

Yes there is a 30 day waiting period before NFIP coverage takes effect. Exceptions exist for flood map changes or loan closings. Plan ahead to avoid gaps in protection.

Flood Insurance Agents in Other Kansas 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.