The top-rated flood insurance agent in Lawrence, Kansas is Tim Waltrip: Allstate Insurance, rated 4.9 stars across 258 reviews. Other highly rated options include ICT Insurance Team, Justin Holt - State Farm insurance Agent, Farmers Insurance - Kristi Keefer. This directory lists 20 flood insurance agents serving Lawrence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tim Waltrip: Allstate Insurance | 2321 Harper St | (785) 843-2532 |
| 2 | ICT Insurance Team | 2336 Ridge Ct Ste. A | (785) 843-0511 |
| 3 | Justin Holt - State Farm insurance Agent | 2500 W 6th St I | (785) 842-6407 |
| 4 | Farmers Insurance - Kristi Keefer | 3300 Mesa Way STE C | (785) 843-7511 |
| 5 | Miller Insurance | 2336 Ridge Ct Ste. A | (785) 503-9089 |
| 6 | Edie Insurance Group, LLC. | 3109 W 6th St A | (785) 856-3343 |
| 7 | Justin Moravec American Family Insurance | 4106 W 6th St C | (785) 841-6776 |
| 8 | Integrity Midwest Insurance, LLC | 3301 Clinton Pkwy Ct | (785) 856-5100 |
| 9 | Lawrence Insurance | 1219A E 23rd St | (785) 783-5545 |
| 10 | CEK Insurance | 211 E 8th St | (785) 843-2772 |
Tim Waltrip: Allstate Insurance serves the Lawrence, Kansas metro area as a flood insurance agent. The company assists property owners in obtaining coverage to protect against water damage from rising waters. Policies are designed to help safeguard homes and businesses from financial loss during a flood event. Clients can review different coverage levels and deductibles for their specific properties. Special attention is given to high-risk zones where federal requirements mandate flood insurance. The agency also helps customers understand policy limits and the claims process for flood-related losses.
ICT Insurance Team provides flood insurance consultation, policy enrollment, and claims assistance for clients in Lawrence, Kansas. It offers ongoing policy reviews and annual plan updates to ensure coverage adapts to changing flood zone maps and property values. The agency helps residents and business owners understand waiting periods and elevation certificate requirements before binding coverage. Its service plans include reminders for renewal deadlines and loss prevention guidance. The company serves single-family homes, apartments, retail establishments, and restaurants across the local area.
Homeowners, businesses, and property managers in Lawrence, KS rely on Justin Holt - State Farm Insurance Agent for flood insurance services. The agency helps clients understand flood risk and secure necessary policies to protect their properties and belongings. Flood insurance is a critical safeguard for residents and commercial property owners in flood-prone areas. This office also serves neighboring communities in the greater Lawrence metro area, including Eudora and Baldwin City.
Farmers Insurance - Kristi Keefer serves Lawrence, Kansas, and the surrounding Douglas County communities, handling flood insurance policies for residential and commercial properties. It helps property owners understand flood zone requirements and coverage options through the National Flood Insurance Program. The agency evaluates individual risk factors and policy needs for each client, addressing common concerns about water damage exclusions in standard homeowners insurance. A typical job begins with reviewing a property's flood zone designation and providing a tailored policy recommendation that aligns with local floodplain management guidelines.
Miller Insurance in Lawrence, KS distinguishes between one-time flood zone assessments and recurring policy reviews for ongoing coverage. As a flood insurance agent, the company helps clients navigate National Flood Insurance Program options available in this area. Policies can be customized to protect residential or commercial properties from water damage risks common in local flood zones. Service runs on both a scheduled annual renewal basis and an as-needed basis for initial flood determination requests.
Edie Insurance Group, LLC, in Lawrence, KS, specializes in securing National Flood Insurance Program policies for residential and commercial properties. The agency also assists clients with understanding coverage gaps and navigating flood zone designations. Its general service work includes tailoring policies to match property elevations and risk levels. With the Kansas River basin prone to spring thaw surges and sudden summer downpours, the company helps homeowners prepare for the increased flood risk that accompanies seasonal storms and rapid snowmelt.
Spring thunderstorms and sudden Kansas River rises can catch Lawrence homeowners off guard, making flood insurance a necessity rather than an afterthought. Justin Moravec American Family Insurance provides localized guidance for securing National Flood Insurance Program policies tailored to properties in flood-prone zones within the city. Their process evaluates risk factors such as proximity to waterways, drainage patterns, and historic flood data to recommend appropriate coverage limits. An inspection of the property’s foundation and lowest floor elevation typically follows the initial policy assessment to confirm accurate premium calculations.
Situated in Lawrence, Kansas, Integrity Midwest Insurance, LLC provides property and casualty coverage to local homeowners and businesses. The company specializes specifically in flood insurance agent services, helping clients secure policies through the National Flood Insurance Program and private markets for protection against water damage. By evaluating flood zone risks and property elevations, the agency customizes comprehensive water damage solutions for residential clients. Its commercial sectors served include offices, warehouses, and food service establishments.
Serving the Lawrence area, Lawrence Insurance helps residential clients secure flood coverage for their homes, addressing risks from overflowing rivers and heavy rainfall. The agency also provides commercial flood policies to protect local businesses against property damage. Covering homes and commercial properties throughout Lawrence, Kansas, the company ensures clients understand their policy details during initial consultations. They encourage property owners to review coverage annually, offering follow-up assistance to adjust policies before regular renewal visits keep protections current based on changing flood maps or property improvements.
CEK Insurance, located in Lawrence, KS, is a flood insurance agent known for helping property owners secure National Flood Insurance Program policies. Its service range covers residential and commercial clients throughout the local area, focusing on properties in designated flood zones. The agency assists with policy selection for both buildings and their contents, and it guides clients through the coverage requirements often mandated by lenders. For policyholders facing potential water damage, CEK Insurance can add on coverage for temporary living expenses during a flood-related displacement.
What Does a a Flood Insurance Agent in Lawrence Cost?
Flood insurance costs in Kansas vary by property location, elevation, and coverage amount. The average NFIP policy in Kansas costs around $700 to $1,200 per year. High-risk properties may pay more, while preferred-risk policies for low-risk zones can be under $500 annually. This is general information and not insurance advice.
About flood insurance agents in Lawrence
Flood insurance agents in Lawrence Kansas help property owners secure coverage through the National Flood Insurance Program. Lawrence sits along the Kansas River and experiences flood risks from heavy rains and snowmelt. Kansas law requires flood insurance for properties in high-risk zones with federally backed mortgages.
Frequently Asked Questions
Do I need flood insurance in Lawrence Kansas?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, you must have flood insurance. Even outside high-risk zones, flooding can occur and coverage is recommended.
What does a flood insurance agent in Lawrence do?
A flood insurance agent assesses your property's flood risk, explains NFIP coverage options, and helps you purchase a policy. They can also assist with elevation certificates and flood zone map questions.
How long does it take to get flood insurance in Kansas?
NFIP policies typically have a 30-day waiting period before coverage begins. Exceptions exist for loan closings and map revisions. Plan ahead to avoid gaps in coverage.
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