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Looking for a flood insurance agent in Covington? Review the directory below to compare your options.
8 agents listed
Updated May 2026
Covington, KY
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 Kentucky before hiring.
Showing 8 flood insurance agents in Covington, KY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Riverfront Insurance Partners
525 W 5th St Suite 235A, Covington, KY 41011
(859) 512-8325
riverfrontinsurancepartners.com
Phil Hale Insurance
36 W Pike St 3rd floor, Covington, KY 41017
(513) 619-1611
Best Insurance Services Inc
6 E 5th St, Covington, KY 41011
(859) 279-0892
TrustFirst Insurance Agency
430 Madison Ave, Covington, KY 41011
(859) 592-4961
bilzinsurance.com
ThriveSure Insurance KY
530 Madison Ave, Covington, KY 41011
(859) 474-5684
huntington.com
Shelter Insurance - Shawn Moore
6200 Taylor Mill Rd, Covington, KY 41015
(859) 356-5688
shelterinsurance.com
Anthony Vickery- SFM Insurance
36 W Pike St 3rd floor, Covington, KY 41017
(513) 341-3210
sfminsurance.com
Gallagher Insurance, Risk Management & Consulting
100 E Rivercenter Blvd Suite 800, Covington, KY 41011
(859) 581-2088
assuredpartners.com
Flood insurance agents in Covington, Kentucky help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Kentucky law requires lenders to mandate flood insurance for properties in high-risk flood zones designated by FEMA. Covington, located along the Ohio River, faces significant flood risks, making agent guidance essential for compliance and protection.
What Does a Flood Insurance Agent in Covington Cost?
Typical flood insurance costs in Kentucky range from 500 to 3,000 dollars per year for NFIP policies, depending on flood zone risk and building characteristics. Properties in high-risk zones along the Ohio River may see higher premiums. Private flood insurance can sometimes be cheaper for low-risk properties. 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 Covington Kentucky?
If your property is in a FEMA-designated Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, flood damage is not covered by standard homeowners policies, so many residents choose coverage voluntarily.
What does a flood insurance agent do in Covington?
A flood insurance agent helps you assess your flood risk, determine the correct coverage amount, and apply for an NFIP policy or private flood insurance. They also explain Kentucky-specific requirements, such as elevation certificates and flood zone maps.
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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 Kentucky.