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Looking for a flood insurance agent in Independence? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Independence, 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 7 flood insurance agents in Independence, 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.
Trifecta Insurance Services
5061 Madison Pike, Independence, KY 41051
(859) 359-5104
kentuckytrifecta.com
John Hoffman - State Farm Insurance Agent
2156 Declaration Dr, Independence, KY 41051
(859) 356-5646
johnhoffmaninsurance.com
Kentucky Farm Bureau Insurance
12010 Madison Pike, Independence, KY 41051
(859) 356-2161
kyfb.com
Joel Bergantino - State Farm Insurance Agent
2087 Centennial Blvd, Independence, KY 41051
(859) 356-5611
agentjoel.com
Joshua Carter: Allstate Insurance
9570 Apple Valley Dr Ste 2, Independence, KY 41051
(859) 341-2662
agents.allstate.com
Universal Underwriters
5275 Madison Pike, Independence, KY 41051
(859) 356-3126
Allstate Personal Financial Representative: Jim Tuemler
9570 Apple Valley Dr Ste 2, Independence, KY 41051
(859) 341-2662
agents.allstate.com
Flood insurance agents in Independence Kentucky help property owners understand their flood risk and secure coverage through the National Flood Insurance Program. Kentucky law requires flood insurance for properties in high-risk flood zones that have a federally backed mortgage. Local agents can explain the specific flood maps for Kenton County and guide you through the 30-day waiting period for new policies.
What Does a Flood Insurance Agent in Independence Cost?
The cost of flood insurance in Kentucky varies by flood zone, building elevation, and coverage amount. For a standard NFIP policy, annual premiums typically range from 700 to 2,500 dollars for a single-family home in a moderate-risk zone. Properties in high-risk zones may see premiums above 3,000 dollars. 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 Independence Kentucky?
If your property is in a Special Flood Hazard Area as shown on FEMA flood maps, your lender will require flood insurance. Even outside high-risk zones, flooding can occur and many homeowners choose to buy a policy for protection.
How long does it take for a flood insurance policy to start in Kentucky?
Standard NFIP policies have a 30-day waiting period from the date of application and payment. Exceptions exist for loans closing on a property or map changes. 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.