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HomeFlood Insurance AgentsMaryland › Annapolis

Find Flood Insurance Agents Near You in Annapolis, MD

Browse flood insurance agents serving Annapolis, Maryland. Updated 2026-07-14.

The top-rated flood insurance agent in Annapolis, Maryland is Mathes Insurance Advisors, Inc., rated 4.9 stars across 428 reviews. Other highly rated options include JSR Insurance, Debbie Hart - State Farm Insurance Agent, CNR Insurance Inc. This directory lists 22 flood insurance agents serving Annapolis.

Showing 22 flood insurance agents in Annapolis, MDListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Mathes Insurance Advisors, Inc.2525 Riva Rd Suite 105(410) 295-9900
2JSR Insurance793 Fairview Ave(443) 529-9109
3Debbie Hart - State Farm Insurance Agent49 Old Solomons Island Rd Ste 203(410) 266-5353
4CNR Insurance Inc166 West St(410) 897-9890
5Goosehead Insurance - Tim Coe1125 West St Suite 200, Office 244(443) 924-6704
6Old Bay Insurance Agency133 Defense Hwy #214(410) 777-5390
7O'Brien & Associates339 Buschs Frontage Rd #206(410) 571-5900
8Reyes Insurance LLC1831 Forest Dr # A(443) 440-0989
9Bay Area Insurance1 Annapolis St STE 100(410) 647-7333
10Henry M Murray Insurance Agency2498 Riva Rd(410) 224-2664
MI
2525 Riva Rd Suite 105
Mathes Insurance Advisors, Inc.
Flood Insurance Agent · Annapolis, MD

Mathes Insurance Advisors, Inc. serves clients in Annapolis, Anne Arundel County, and the surrounding Maryland region as a dedicated flood insurance agency. The firm specializes in helping homeowners and business owners navigate the complexities of flood coverage, which is often required in coastal and waterfront areas. Its work includes assessing property flood risks and comparing policies to meet specific needs. The agency handles both National Flood Insurance Program policies and private market flood insurance options.

JI
793 Fairview Ave
JSR Insurance
Flood Insurance Agent · Annapolis, MD

JSR Insurance provides flood insurance services for properties in Annapolis, Maryland, including policy evaluations and coverage adjustments. The agency assists clients with evaluating flood risks and navigating federal flood insurance program requirements. It offers routine policy reviews to ensure adequate protection as conditions change. Service plans include annual coverage assessments and guidance on documentation for claims. The company serves single-family homes, apartments, retail establishments, and restaurants throughout the local area.

DH
49 Old Solomons Island Rd Ste 203
Debbie Hart - State Farm Insurance Agent
Flood Insurance Agent · Annapolis, MD

Homeowners, businesses, and property managers in Annapolis, MD turn to Debbie Hart - State Farm Insurance Agent for flood insurance coverage. The agency helps clients understand policy options for protecting structures and belongings against water damage. Navigating flood zone requirements in this coastal region often requires personalized guidance. The agent reviews risk factors and recommends appropriate plans to meet varying needs. Service also extends to the surrounding Anne Arundel County communities, including the neighboring areas near the Severn River.

CI
166 West St
CNR Insurance Inc
Flood Insurance Agent · Annapolis, MD

CNR Insurance Inc. serves Annapolis, Maryland, and the surrounding communities, handling flood insurance policies for homeowners and businesses. It addresses the specific flood risks posed by the Chesapeake Bay and local waterways, assisting clients in securing coverage from the National Flood Insurance Program. To handle a typical job, the agency reviews a property’s flood zone designation and elevation details to recommend appropriate policy limits and deductibles.

GI
1125 West St Suite 200, Office 244
Goosehead Insurance - Tim Coe
Flood Insurance Agent · Annapolis, MD

Flood insurance agents typically offer both one-time policies for single events and recurring annual coverage for ongoing protection against water damage. Goosehead Insurance - Tim Coe, located in Annapolis, MD, assists clients from residential to commercial needs by matching available federal and private flood insurance plans to specific property risks. This agent helps homeowners and business owners evaluate deductibles and coverage limits before binding a policy. Service is provided on an appointment basis, with options for both initial consultations and follow-up schedule adjustments as flood zones or property values change.

OB
133 Defense Hwy #214
Old Bay Insurance Agency
Flood Insurance Agent · Annapolis, MD

Old Bay Insurance Agency specializes in securing flood insurance policies for residents in Annapolis, Maryland. As a local agency, it guides clients through the complexities of flood risk assessment and coverage options. The company provides personalized consultations to help property owners evaluate their exposure and select appropriate policies from available programs. Understanding the unique challenges of the Chesapeake Bay region, the agency assists with preparation for heavy spring rains and the potential for tidal flooding. It specifically helps homeowners and businesses secure protection before Atlantic hurricane season begins in June.

OB
339 Buschs Frontage Rd #206
O'Brien & Associates
Flood Insurance Agent · Annapolis, MD

O'Brien & Associates works with property owners in Annapolis, Maryland, to secure flood insurance coverage through the National Flood Insurance Program and private market options. It assists clients in evaluating flood zone risks and policy limits to protect residential and commercial structures from water damage. The company serves a range of commercial sectors, including professional offices, warehouses, and food service operations.

RI
1831 Forest Dr # A
Reyes Insurance LLC
Flood Insurance Agent · Annapolis, MD

Flood season along the Chesapeake Bay and surrounding rivers can bring sudden water damage to Annapolis homes and businesses. Reyes Insurance LLC helps property owners in this area navigate the practical details of obtaining specialized flood coverage. The company reviews local flood zone maps and discusses policy options with clients during initial consultations. This process clarifies deductibles, coverage limits, and waiting periods under standard flood insurance plans. The first step typically involves scheduling a convenient time for a property inspection to assess specific elevation and risk factors.

BA
1 Annapolis St STE 100
Bay Area Insurance
Flood Insurance Agent · Annapolis, MD

For residents in Annapolis, specializing in flood insurance to protect homes from water damage in flood-prone areas, this agency also helps local businesses secure commercial coverage against such risks. Serving Annapolis and its surrounding communities throughout Anne Arundel County, the team guides clients through policies tailored to flood zone requirements. After an initial policy is in place, agents follow up regularly to ensure coverage matches changing needs between seasonal inspections.

HM
2498 Riva Rd
Henry M Murray Insurance Agency
Flood Insurance Agent · Annapolis, MD
SB
108 Old Solomons Island Rd Bldg 2
Simpson and Blom Insurance
Flood Insurance Agent · Annapolis, MD
(410) 573-9104
simpsonandblom.com
DF
2431 Solomons Island Rd #203
Dan Friel - State Farm Insurance Agent
Flood Insurance Agent · Annapolis, MD
(410) 224-5656
frielinsurance.com
RS
2049 West St Suite 202
Ramsey's Insurance, Inc
Flood Insurance Agent · Annapolis, MD
(410) 266-9363
ramseys-insurance.com
JM
111 Forbes St
Jack Martin Insurance Advisors
Flood Insurance Agent · Annapolis, MD
(410) 263-8000
askjack.cc
LI
1910 Towne Centre Blvd Suite 250
Lindquist Insurance
Flood Insurance Agent · Annapolis, MD
(443) 837-3200
lindquistinsurance.com
GI
1125 West St Suite 222
Goosehead Insurance - Silver Glover
Flood Insurance Agent · Annapolis, MD
(443) 926-9113
goosehead.com/agents/md/annapolis/silver-glover
FS
1997 Annapolis Exchange Ste 300
Full Sail Insurance
Flood Insurance Agent · Annapolis, MD
(410) 671-0928
fullsailinsurance.com
GI
1997 Annapolis Exchange Suite 410
Goosehead Insurance - Brian Madden
Flood Insurance Agent · Annapolis, MD
(301) 476-6012
goosehead.com/agents/md/annapolis/brian-madden
NI
929 West St #104
Nationwide Insurance: Parker Insurance Services LLC
Flood Insurance Agent · Annapolis, MD
(410) 721-2461
parkerinsuranceservice.com
DE
2553 Housley Rd Suite 210
DONALDSON & EMERSON INC.
Flood Insurance Agent · Annapolis, MD
(410) 857-1010
erieinsurance.com/agencies/md/westminster/bb2731
WI
807 Skippers Ln Unit 2
Weitzel Insurance Services
Flood Insurance Agent · Annapolis, MD
(410) 216-0143
askwis.com
DE
2553 Housley Rd Suite 210
Donaldson & Emerson, Inc.
Flood Insurance Agent · Annapolis, MD
(410) 857-1010
donaldsonemerson.com

What Does a a Flood Insurance Agent in Annapolis Cost?

The cost of flood insurance in Annapolis varies based on your property's flood zone, elevation, and coverage amount. Typical NFIP policies for a single-family home range from 700 to 2,500 per year for standard coverage up to 250,000 for the building and 100,000 for contents. Private flood insurance may offer different rates and higher limits. This information is general and not insurance advice.

About flood insurance agents in Annapolis

Flood insurance agents in Annapolis help property owners secure coverage through the National Flood Insurance Program and private insurers. Annapolis sits along the Chesapeake Bay and Severn River, making flood risk a key concern for many residents. Maryland law does not require flood insurance for all properties, but mortgage lenders often mandate it for homes in high-risk flood zones.

Frequently Asked Questions

Do I need flood insurance if I live in Annapolis?

Flood insurance is not required by Maryland state law for all properties. However, if your home is in a Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. Even in low-risk areas, many Annapolis residents choose coverage because of the region's storm surge and heavy rain risks.

What does a flood insurance agent do in Maryland?

A flood insurance agent helps you assess your property's flood risk, explains coverage options under the NFIP or private insurers, and helps you complete the required elevation certificate if needed. They also guide you through the 30-day waiting period before most NFIP policies take effect.

Are there Maryland specific rules for flood insurance claims?

Maryland follows the standard NFIP claims process. You must file a proof of loss within 60 days of the flood. Maryland law also allows policyholders to request a re-inspection of their property if they disagree with the flood zone determination.

Flood Insurance Agents in Other Maryland 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.