ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeFlood Insurance AgentsKentucky › Elizabethtown

Find Flood Insurance Agents Near You in Elizabethtown, KY

Browse flood insurance agents serving Elizabethtown, Kentucky. Updated 2026-07-14.

The top-rated flood insurance agent in Elizabethtown, Kentucky is Jarred Butler - State Farm Insurance Agent, rated 4.9 stars across 611 reviews. Other highly rated options include Neil Atcher - State Farm Insurance Agent, Lance Taylor - State Farm Insurance Agent, Mike Wyman - State Farm Insurance Agent. This directory lists 21 flood insurance agents serving Elizabethtown.

Showing 21 flood insurance agents in Elizabethtown, KYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Jarred Butler - State Farm Insurance Agent322 W Dixie Ave(270) 737-7777
2Neil Atcher - State Farm Insurance Agent230 Buford Ln Suite 104(270) 737-2255
3Lance Taylor - State Farm Insurance Agent2600 Ring Rd Ste 101A(270) 900-1844
4Mike Wyman - State Farm Insurance Agent2801 Ring Rd(270) 769-1511
5Kelly Ryan Cleaver - State Farm Insurance Agent3100 Ring Rd #109(270) 234-8200
6Jacob Willett - State Farm Insurance Agent513 N Mulberry St(270) 872-0353
7Unity Insurance Agency1507 N Dixie Hwy #116(270) 506-3957
8Travis Thomas - State Farm Insurance Agent113 E Dixie Ave(270) 765-2253
9Chris Grinstead: Allstate Insurance112 N Mulberry St(270) 765-7129
10Shelter Insurance - Jamie Martin407 N Mulberry St(270) 766-1113
JB
322 W Dixie Ave
Jarred Butler - State Farm Insurance Agent
Flood Insurance Agent · Elizabethtown, KY
NA
230 Buford Ln Suite 104
Neil Atcher - State Farm Insurance Agent
Flood Insurance Agent · Elizabethtown, KY

Neil Atcher - State Farm Insurance Agent provides flood insurance services to properties in and around Elizabethtown, Kentucky. Its plans help protect against water damage from rising water, a risk in many local areas. Policy options include coverage for a building's structure and its contents, with replacement cost valuations available. Regular policy reviews are offered to adjust coverage based on changes in flood zone maps or property improvements. This agency writes policies for single-family homes, apartments, retail locations, and restaurants.

LT
2600 Ring Rd Ste 101A
Lance Taylor - State Farm Insurance Agent
Flood Insurance Agent · Elizabethtown, KY

Lance Taylor - State Farm Insurance Agent in Elizabethtown, KY, serves homeowners, businesses, and property managers seeking protection against flood-related losses. This agency provides guidance on securing policies that cover structural damage and personal property from rising waters. Flood insurance is essential in this region due to local weather patterns and proximity to waterways. Residents and commercial clients can rely on this independent agent for clear policy explanations and claims assistance. The agency also extends its flood insurance services to nearby Radcliff and the greater Hardin County area.

MW
2801 Ring Rd
Mike Wyman - State Farm Insurance Agent
Flood Insurance Agent · Elizabethtown, KY

Serving Elizabethtown, Kentucky, and communities across the surrounding Hardin County area, Mike Wyman - State Farm Insurance Agent handles flood insurance policies for local homeowners and renters. The agency addresses the specific risks of regional weather patterns and floodplain regulations, helping clients understand their coverage options. It evaluates each property's exposure and policy needs based on standard industry underwriting guidelines. The general approach it uses to handle a typical job involves consulting with property owners to tailor a specific plan that meets their individual flood protection requirements.

KR
3100 Ring Rd #109
Kelly Ryan Cleaver - State Farm Insurance Agent
Flood Insurance Agent · Elizabethtown, KY

Kelly Ryan Cleaver - State Farm Insurance Agent in Elizabethtown, KY, distinguishes between a single-policy flood purchase for isolated properties and recurring coverage tied to annual renewals for ongoing risk management. Flood insurance typically covers structural damage and contents from rising water, a protection standard homeowner policies exclude. Many clients in this region require continuous coverage due to local floodplain maps. Service for this agency operates on a one-time policy setup with scheduled annual renewal reminders provided for as-needed policy adjustments.

JW
513 N Mulberry St
Jacob Willett - State Farm Insurance Agent
Flood Insurance Agent · Elizabethtown, KY

Jacob Willett - State Farm Insurance Agent in Elizabethtown, Kentucky, specializes in offering flood insurance policies to protect homes and businesses from water damage. The agency serves local property owners by helping them navigate coverage options and file claims when needed. A significant seasonal concern this agent assists with is preparing for spring storms and heavy rainfall, which often lead to localized flooding in the region.

UI
1507 N Dixie Hwy #116
Unity Insurance Agency
Flood Insurance Agent · Elizabethtown, KY

Unity Insurance Agency in Elizabethtown, KY, provides general property and casualty insurance coverage to local residents and businesses. Its specialty includes flood insurance, helping clients protect properties against water damage from rising waters and heavy storms. The agency assists homeowners and renters in securing appropriate federal flood policies. Commercial sectors it can serve include offices, warehouses, and food service operations.

TT
113 E Dixie Ave
Travis Thomas - State Farm Insurance Agent
Flood Insurance Agent · Elizabethtown, KY

Travis Thomas - State Farm Insurance Agent provides residential flood insurance coverage for homeowners in Elizabethtown, KY, and also offers commercial policies to protect local businesses. The agency serves clients throughout the surrounding region, helping them secure financial protection against potential water damage. After securing a policy, the agent follows up to ensure coverage remains appropriate and can be adjusted before each subsequent flood season, offering reliable service between regular visits.

CG
112 N Mulberry St
Chris Grinstead: Allstate Insurance
Flood Insurance Agent · Elizabethtown, KY

When spring storms threaten homes along the Ohio River valley near Elizabethtown, protecting property from rising water becomes a critical concern. Chris Grinstead at Allstate Insurance addresses this need by offering tailored flood insurance policies, which are essential for covering damage not included in standard homeowners coverage. This local agency works with area residents to review their specific exposure, helping ensure appropriate protection is in place before the next heavy rain arrives. They begin this process by conducting a detailed property assessment during the initial consultation visit.

SI
407 N Mulberry St
Shelter Insurance - Jamie Martin
Flood Insurance Agent · Elizabethtown, KY

Shelter Insurance - Jamie Martin serves homeowners, businesses, and property managers in Elizabethtown, Kentucky, seeking flood insurance coverage. The agency helps clients understand flood risk and secure appropriate policies to protect their structures and belongings. Services include evaluating property exposure, explaining National Flood Insurance Program options, and assisting with claims guidance after a loss. The company also covers neighboring communities in Hardin County, including Radcliff and Vine Grove.

SS
1793 Leitchfield Rd
Skees & Shipp Insurance
Flood Insurance Agent · Elizabethtown, KY
(270) 769-1951
skeesandshipp.com
HI
410 Ring Rd
Houchens Insurance Group
Flood Insurance Agent · Elizabethtown, KY
(270) 737-2828
curnealhigniteins.com
BI
240 W Dixie Ave Suite 1
Burris Insurance Agency - A Division of Independent Agents of KY
Flood Insurance Agent · Elizabethtown, KY
(270) 765-7774
burrisinsuranceky.com
BI
620 Westport Rd
Bluegrass Insurance Services
Flood Insurance Agent · Elizabethtown, KY
(270) 769-5555
bluegrassinsurance.net
SI
950 N Mulberry St Ste 210A
Shelter Insurance - Thomas Hill
Flood Insurance Agent · Elizabethtown, KY
(270) 766-1196
shelterinsurance.com/CA/agent/THILL
AE
2914 Ring Rd
AAA Elizabethtown Insurance and Member Services
Flood Insurance Agent · Elizabethtown, KY
(270) 765-4109
ace.aaa.com/locations/Elizabethtown-42701-21521
KF
2915 Ring Rd
Kentucky Farm Bureau Insurance
Flood Insurance Agent · Elizabethtown, KY
(270) 737-7377
kyfb.com/hardin/insurance
RI
600 N Miles St
R Insurance
Flood Insurance Agent · Elizabethtown, KY
(270) 235-6591
DI
620 Westport Rd
Duff Insurance Agency - Jacob Hazle, Agent
Flood Insurance Agent · Elizabethtown, KY
(270) 769-5547
duffinsurance.com
NI
806 N Mulberry St Ste A
Nationwide Insurance: Ryan Stice Agency
Flood Insurance Agent · Elizabethtown, KY
(270) 765-6617
agency.nationwide.com/ky/elizabethtown/42701/ryan-stice-agency
KF
2915 Ring Rd
Kentucky Farm Bureau Insurance - Darren Ballou
Flood Insurance Agent · Elizabethtown, KY
(270) 706-3295
kyfb.com/hardin/branch/darren-ballou

What Does a 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.

About flood insurance agents in Elizabethtown

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.

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.

Flood Insurance Agents in Other Kentucky 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.