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Directory of flood insurance agents in St Matthews, Kentucky. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
St Matthews, 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 2 flood insurance agents in St Matthews, 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.
Excellent Insurance KY
230 Executive Park, St Matthews, KY 40207
(502) 957-9996
Mendenhall Insurance
735 Executive Park, St Matthews, KY 40207
(502) 897-9526
mendenhallinsuranceagency.com
Flood insurance agents in St Matthews, Kentucky assist homeowners and businesses with policies through the National Flood Insurance Program (NFIP) or private carriers. Kentucky law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Agents can explain coverage limits, deductibles, and the 30-day waiting period before most policies take effect.
What Does a Flood Insurance Agent in St Matthews Cost?
Flood insurance costs in Kentucky vary by property location, flood zone, elevation, and coverage amount. For an NFIP policy, annual premiums typically range from $700 to over $2,000 for a standard home in a moderate-risk zone. High-risk areas may see premiums above $3,000. Private market policies can be cheaper or more expensive depending on risk factors. 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 in St Matthews Kentucky?
If your property is in a Special Flood Hazard Area (SFHA) as shown on FEMA flood maps, your lender will likely require flood insurance. Even outside high-risk zones, flooding can occur, so an agent can help you assess your risk.
How do I find a flood insurance agent in St Matthews?
You can search for licensed insurance agents in St Matthews who offer flood coverage through the NFIP or private insurers. The Kentucky Department of Insurance website provides a license lookup tool to verify an agent credentials.
What is the waiting period for flood insurance in Kentucky?
Standard NFIP policies have a 30-day waiting period from the date of purchase before coverage begins. Exceptions exist for loans closing on a property purchase, so plan ahead with your agent to avoid gaps in coverage.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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.