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Directory of flood insurance agents in Damascus, Maryland. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Damascus, MD
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 Maryland before hiring.
Showing 2 flood insurance agents in Damascus, MD
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Austin Stein - State Farm Insurance Agent
26133 Ridge Rd, Damascus, MD 20872
(301) 685-6096
sfagentaustin.com
Jim Kearney - State Farm Insurance Agent
9899 Main St #201b, Damascus, MD 20872
(301) 428-0789
jimkearneyinsurance.com
Flood insurance agents in Damascus, Maryland help property owners secure coverage through the National Flood Insurance Program (NFIP) or private carriers. Damascus is near the Patuxent River watershed, so many homes in flood zones A and AE require flood insurance for mortgage compliance. Maryland law does not mandate flood insurance for all properties, but lenders often require it for homes in Special Flood Hazard Areas.
What Does a Flood Insurance Agent in Damascus Cost?
Flood insurance costs in Maryland vary widely based on flood zone, elevation, building age, and coverage amount. For an NFIP policy in Damascus, annual premiums typically range from 700 to 2,000 dollars for a standard home in a moderate-risk zone, but can exceed 4,000 dollars in high-risk areas. Private flood insurance may offer lower rates for some properties. 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
What does a flood insurance agent in Damascus do?
A flood insurance agent assesses your property's flood risk using FEMA flood maps and helps you choose a policy that meets NFIP or private insurer requirements. They also explain coverage limits, deductibles, and the 30-day waiting period before most NFIP policies take effect.
Is flood insurance required in Damascus Maryland?
Flood insurance is not required by Maryland state law for all properties. However, if your home is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. Many homeowners outside high-risk zones also buy it for protection.
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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 Maryland.