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Find Flood Insurance Agents Near You in Elizabethtown, KY
Directory of flood insurance agents in Elizabethtown, Kentucky. Verify credentials with the state department of insurance before hiring.
20 agents listed
Updated May 2026
Elizabethtown, 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 20 flood insurance agents in Elizabethtown, 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.
Neil Atcher - State Farm Insurance Agent
230 Buford Ln Suite 104, Elizabethtown, KY 42701
(270) 737-2255
neilatcher.com
Lance Taylor - State Farm Insurance Agent
2600 Ring Rd Ste 101A, Elizabethtown, KY 42701
(270) 900-1844
lancetaylorinsurance.com
Mike Wyman - State Farm Insurance Agent
2801 Ring Rd, Elizabethtown, KY 42701
(270) 769-1511
mikewymaninsurance.com
Kelly Ryan Cleaver - State Farm Insurance Agent
3100 Ring Rd #109, Elizabethtown, KY 42701
(270) 234-8200
kellyismyagent.com
Jacob Willett - State Farm Insurance Agent
513 N Mulberry St, Elizabethtown, KY 42701
(270) 872-0353
yourlocaljake.com
Chris Grinstead: Allstate Insurance
112 N Mulberry St, Elizabethtown, KY 42701
(270) 765-7129
agents.allstate.com
Unity Insurance Agency
1507 N Dixie Hwy #116, Elizabethtown, KY 42701
(270) 506-3957
myunityinsurance.com
Travis Thomas - State Farm Insurance Agent
113 E Dixie Ave, Elizabethtown, KY 42701
(270) 765-2253
sfagenttravis.com
Houchens Insurance Group
410 Ring Rd, Elizabethtown, KY 42701
(270) 737-2828
curnealhigniteins.com
Shelter Insurance - Jamie Martin
407 N Mulberry St, Elizabethtown, KY 42701
(270) 766-1113
shelterinsurance.com
Bluegrass Insurance Services
620 Westport Rd, Elizabethtown, KY 42701
(270) 769-5555
bluegrassinsurance.net
AAA Elizabethtown Insurance and Member Services
2914 Ring Rd, Elizabethtown, KY 42701
(270) 765-4109
ace.aaa.com
Skees & Shipp Insurance
1793 Leitchfield Rd, Elizabethtown, KY 42701
(270) 769-1951
skeesandshipp.com
Kentucky Farm Bureau Insurance
2915 Ring Rd, Elizabethtown, KY 42701
(270) 737-7377
kyfb.com
Burris Insurance Agency - A Division of Independent Agents of KY
240 W Dixie Ave Suite 1, Elizabethtown, KY 42701
(270) 765-7774
burrisinsuranceky.com
Shelter Insurance - Thomas Hill
950 N Mulberry St Ste 210A, Elizabethtown, KY 42701
(270) 766-1196
shelterinsurance.com
R Insurance
600 N Miles St, Elizabethtown, KY 42701
(270) 235-6591
Duff Insurance Agency - Jacob Hazle, Agent
620 Westport Rd, Elizabethtown, KY 42701
(270) 769-5547
duffinsurance.com
Nationwide Insurance: Ryan Stice Agency
806 N Mulberry St Ste A, Elizabethtown, KY 42701
(270) 765-6617
agency.nationwide.com
Kentucky Farm Bureau Insurance - Darren Ballou
2915 Ring Rd, Elizabethtown, KY 42701
(270) 706-3295
kyfb.com
Flood insurance agents in Elizabethtown Kentucky help homeowners and businesses secure coverage through the National Flood Insurance Program and private insurers. Kentucky participates in the NFIP which requires flood insurance for properties in high-risk zones with federally backed mortgages. Local agents understand the flooding risks from the Ohio River basin and Hardin County watersheds.
What Does a Flood Insurance Agent in Elizabethtown Cost?
Flood insurance premiums in Kentucky vary based on flood zone, building elevation, and coverage amount. Average NFIP policies in Elizabethtown range from 500 to 2000 dollars per year. Properties in low-risk zones may qualify for lower Preferred Risk Policies starting around 300 dollars annually. Private market options can offer different pricing. 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 Elizabethtown Kentucky?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage you are required to have flood insurance. Even outside high-risk zones flooding can occur from heavy rains or flash floods. An agent can review your property’s flood zone status.
What does flood insurance cover in Kentucky?
Standard NFIP policies cover up to 250000 dollars for the building and 100000 dollars for contents. Coverage includes structural damage from rising water but does not cover basement improvements or personal property in basements. Private policies may offer higher limits and additional options.
How long does it take for flood insurance to take effect?
NFIP policies have a 30-day waiting period before coverage begins. Exceptions exist for loan closings or map changes. Private insurers may have different waiting periods. Plan ahead to avoid gaps in coverage.
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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.