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 19 flood insurance agents in Lexington, 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.
SeibertKeck Insurance Partners
2011 Rambler Rd #1, Lexington, KY 40503
(859) 203-5353
ip-sk.com
Carpenter Insurance Group LLC
141 Prosperous Pl Suite 26, Lexington, KY 40509
(859) 202-3656
carpenterinsurancegroup.com
Energy Insurance Agency
3008 Atkinson Ave #3, Lexington, KY 40509
(859) 273-1549
energyinsuranceagency.com
Integrity Insurance Group, LLC
1500 Leestown Rd Ste 228, Lexington, KY 40511
(859) 800-4946
integrityinsgrp.com
Asshield Insurance
2240 Executive Dr UNIT 103, Lexington, KY 40505
(859) 368-0162
asshield.com
Brooke Whalen Insurance
1795 Alysheba Way UNIT 1103, Lexington, KY 40509
(859) 885-0232
brookewhaleninsurance.com
Bray & Oakley Insurance Agency
3061 Fieldstone Way #300, Lexington, KY 40513
(859) 927-3743
brayandoakley.com
Renee Jackson Insurance Agency
1795 Alysheba Way Suite 1101, Lexington, KY 40509
(859) 317-2217
reneejacksoninsuranceagency.com
The Hutch Agency - Kentucky
121 Prosperous Pl STE 9B, Lexington, KY 40509
(859) 309-1912
thehutchagency.com
Heritage Insurance Agency
3306 Clays Mill Rd Ste 106, Lexington, KY 40503
(859) 219-1122
heritageinsuranceky.com
Greater Lexington Insurance Agency, Inc.
1066 Wellington Way, Lexington, KY 40513
(859) 224-2477
greaterlexins.com
Sullivan Insurance Agency
635 N Broadway, Lexington, KY 40508
(859) 233-1637
sullivanadvantage.com
Al Torstrick Insurance Agency
343 Waller Ave #101, Lexington, KY 40504
(859) 233-1461
altorstrick.com
Lexington Insurance Agency
465 E High St #101, Lexington, KY 40507
(859) 253-6570
lexingtoninsuranceagency.com
John G King Insurance
271 W Short St Ste 812, Lexington, KY 40507
(859) 252-6155
johngkinginsurance.com
Cambridge Insurance
2300 Regency Rd, Lexington, KY 40503
(859) 252-0381
cambridgeinsurance.net
Summit Insurance Co.
236 E Reynolds Rd UNIT C2, Lexington, KY 40517
(859) 479-1234
summit-ins.com
Whitt Insurance Agency, Inc
1910 Harrodsburg Rd, Lexington, KY 40503
(859) 278-0124
whittinsuranceagency.com
Kentucky Farm Bureau Insurance
1096 Duval St UNIT 150, Lexington, KY 40515
(859) 273-1825
kyfb.com
What Does a Flood Insurance Agent in Lexington Cost?
Flood insurance costs in Kentucky vary by flood zone risk, property elevation, and coverage amount. In Lexington, an NFIP policy for a moderate-risk home may cost around 500 to 800 dollars per year. High-risk properties can see premiums from 1,000 to 3,000 dollars or more annually. Private market options may offer different pricing. This is general information, 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 if I live outside a flood zone in Lexington?
Even if you are outside a high-risk zone, lenders may still require coverage. About 25 percent of flood claims come from low-to-moderate risk areas. A Lexington flood insurance agent can review your property's specific FEMA map designation.
How does Kentucky law affect flood insurance requirements?
Kentucky follows NFIP standards for federally backed loans. There is no state law requiring flood insurance for all properties, but lenders must enforce the federal mandate for homes in Special Flood Hazard Areas. Your agent can explain the 30-day waiting period before coverage starts.
What does a flood insurance policy in Lexington typically cover?
Standard NFIP policies cover building structure up to 250,000 dollars and contents up to 100,000 dollars. Private policies may offer higher limits. Coverage does not include basement improvements or items stored in flood-prone areas.