ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeFlood Insurance AgentsMaryland › Hagerstown

Find Flood Insurance Agents Near You in Hagerstown, MD

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

The top-rated flood insurance agent in Hagerstown, Maryland is Lauren Brenneman - State Farm Insurance Agent, rated 5.0 stars across 515 reviews. Other highly rated options include Younger Insurance Agency, Bowers Insurance, Scott Powell - State Farm Insurance Agent. This directory lists 20 flood insurance agents serving Hagerstown.

Showing 20 flood insurance agents in Hagerstown, MDListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lauren Brenneman - State Farm Insurance Agent1201 Potomac Ave(301) 790-1600
2Younger Insurance Agency1945 Dual Hwy(240) 527-2344
3Bowers Insurance1380 Dual Hwy(301) 791-7910
4Scott Powell - State Farm Insurance Agent816 Virginia Ave(240) 420-2886
5Tom Breidenstein - State Farm Insurance Agent23 S Colonial Dr(301) 797-5493
6Wright-Gardner Insurance100 W Antietam St(301) 733-1234
7Antietam Insurance Associates, Inc.940 Frederick St(301) 733-0895
8Youngbar Financial & Insurance Agency1850 Dual Hwy Suite 102(301) 271-8811
9Blue Ridge Risk Partners1120C Professional Blvd
10Jean Shank Insurance & Associates703 Oak Hill Ave(301) 791-1565
LB
1201 Potomac Ave
Lauren Brenneman - State Farm Insurance Agent
Flood Insurance Agent · Hagerstown, MD

Lauren Brenneman - State Farm Insurance Agent serves the Hagerstown, Maryland area, specializing in flood insurance policies and related coverage solutions. The agency helps local property owners understand flood zone risks and obtain necessary protection through the National Flood Insurance Program. In this region prone to seasonal storms and flash flooding, the office assists with obtaining quotes for residential and commercial flood policies. It also handles the process of adjusting existing flood insurance plans to reflect changing property values or updated flood maps.

YI
1945 Dual Hwy
Younger Insurance Agency
Flood Insurance Agent · Hagerstown, MD

Younger Insurance Agency provides flood insurance services for property owners in Hagerstown, Maryland. It helps clients assess their specific flood risk and secure appropriate coverage under the National Flood Insurance Program. The agency assists with policy applications, coverage adjustments for changing exposures, and claims support after a flood event. Its service approach includes reviewing policy limits and deductibles during periodic renewals. The agency services single-family homes, apartment complexes, retail spaces, and restaurants throughout the local area.

BI
1380 Dual Hwy
Bowers Insurance
Flood Insurance Agent · Hagerstown, MD

Bowers Insurance serves homeowners, businesses, and property managers seeking flood coverage in Hagerstown, Maryland. The agency helps clients evaluate federal flood insurance program options and private market policies designed to protect structures and contents from water damage. It assists property owners with understanding flood zone designations and available deductible choices. Annual policy reviews are offered to keep pace with changing regulations and community flood maps. The company also provides coverage guidance for property owners in surrounding communities such as Williamsport and other areas of Washington County.

SP
816 Virginia Ave
Scott Powell - State Farm Insurance Agent
Flood Insurance Agent · Hagerstown, MD

Scott Powell - State Farm Insurance Agent serves Hagerstown, Maryland, and the surrounding Washington County communities. The agency handles flood insurance policies that protect residential and commercial properties from water damage caused by storms or rising water. It works with property owners to assess coverage needs based on federal flood zone maps, local rainfall patterns, and existing home or business structures. To handle a typical job, it first reviews a client’s specific property risk, then presents policy options and discusses deductibles to tailor coverage that meets individual needs.

TB
23 S Colonial Dr
Tom Breidenstein - State Farm Insurance Agent
Flood Insurance Agent · Hagerstown, MD

For home flood insurance, customers can choose between a one-time policy for a specific event or an ongoing annual policy that renews. The coverage protects against structural damage and belongings loss from rising water, which is a significant risk for properties near waterways in Hagerstown, MD. Tom Breidenstein - State Farm Insurance Agent can assist with evaluating both options to match individual property needs. Their flood insurance services are available on an as-needed basis for new policies or annual reviews.

WG
100 W Antietam St
Wright-Gardner Insurance
Flood Insurance Agent · Hagerstown, MD

Wright-Gardner Insurance in Hagerstown, Maryland specializes as a local flood insurance agent and provides related coverage options. It serves homeowners and business owners in the area who need protection against water damage from rising waters or heavy rainfall. The agency works with clients to identify appropriate policies that meet their specific property needs. It also helps guide residents through the flood insurance purchasing process. Following a major storm or during spring thaws, the company assists with adjusting coverage to address increased flood risk in low-lying parts of Washington County.

AI
940 Frederick St
Antietam Insurance Associates, Inc.
Flood Insurance Agent · Hagerstown, MD

Spring flooding in the Hagerstown area often threatens homes near creeks and low-lying neighborhoods. Antietam Insurance Associates, Inc. works with local property owners to help secure National Flood Insurance Program policies before seasonal rains arrive. Their service includes explaining flood zones, coverage limits, and the required thirty-day waiting period for new policies. Clients can schedule a property inspection to assess elevation and foundation risks, which helps determine appropriate flood insurance options for each home or business.

YF
1850 Dual Hwy Suite 102
Youngbar Financial & Insurance Agency
Flood Insurance Agent · Hagerstown, MD

Flood protection is a central part of the risk management services offered by Youngbar Financial & Insurance Agency in Hagerstown, MD. The agency focuses on providing standard and excess flood coverage for residential and commercial clients. It assists property owners in navigating National Flood Insurance Program requirements while exploring private market options for higher limits and contents protection. The agency’s flood solutions extend to businesses such as offices, warehouses, and food service operations that require proper coverage against water damage and business interruption.

BR
1120C Professional Blvd
Blue Ridge Risk Partners
Flood Insurance Agent · Hagerstown, MD
JS
703 Oak Hill Ave
Jean Shank Insurance & Associates
Flood Insurance Agent · Hagerstown, MD
CV
18537 Maugans Ave
Cumberland Valley Insurance Inc.
Flood Insurance Agent · Hagerstown, MD
(301) 797-6480
cumberlandvalleyinsurance.com
GK
19756 Longmeadow Rd
Geoffrey Karlen Agency Inc - Nationwide Insurance
Flood Insurance Agent · Hagerstown, MD
(301) 790-3304
BI
927 S Potomac St
Baker Insurance Agency of Hagerstown
Flood Insurance Agent · Hagerstown, MD
(301) 733-9606
bakerinsuranceonline.com
GM
11373 Robinwood Dr
Gaye McGovern - State Farm Insurance Agent
Flood Insurance Agent · Hagerstown, MD
(301) 790-1462
gayemcgovern.com
HR
17345 Virginia Ave
Highstreet Rice Agency Inc.
Flood Insurance Agent · Hagerstown, MD
(301) 582-2636
hsip.com/rice-agency
QF
19707 Leitersburg Pike
Quality First Insurance Agency, Inc.
Flood Insurance Agent · Hagerstown, MD
(301) 797-1400
qualityfirstins.com
FI
1850 Dual Hwy Suite 102
Farmers Insurance - Youngbar Agency
Flood Insurance Agent · Hagerstown, MD
(240) 608-2008
agents.farmers.com/md/hagerstown/dion-youngbar
HI
13022 Pennsylvania Ave
Hills Insurance Agency
Flood Insurance Agent · Hagerstown, MD
(301) 393-4887
hillsinsagency.com
HI
1101 Opal Ct Suite 101
Hagerstown Insurance
Flood Insurance Agent · Hagerstown, MD
(540) 508-8488
hagerstowninsurance.net
EI
18544 Breeze Hill Dr
Erie Insurance: Hagerstown Office
Flood Insurance Agent · Hagerstown, MD
(301) 797-5185
erieinsurance.com/contact-erie/locations/hagerstown

What Does a a Flood Insurance Agent in Hagerstown Cost?

Flood insurance costs in Maryland vary widely based on flood zone, property value, and coverage amount. In Hagerstown, an NFIP policy for a single-family home in a moderate-risk zone may cost around 700 to 1,200 dollars per year. High-risk zones can see premiums of 2,000 dollars or more. Private market policies may offer different rates. This is general information and not insurance advice.

About flood insurance agents in Hagerstown

Flood insurance agents in Hagerstown Maryland help property owners secure coverage through the National Flood Insurance Program and private markets. Maryland law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Local agents understand the specific flood risks in Washington County and can guide you through policy options.

Frequently Asked Questions

Is flood insurance required in Hagerstown Maryland?

Flood insurance is not required by Maryland state law for all properties. However, if your property is in a high-risk flood zone and you have a federally backed mortgage, your lender will require flood insurance. Check with a local agent to see if your property falls in a flood zone.

What does a flood insurance agent do in Hagerstown?

A flood insurance agent helps you understand your flood risk, determines your property's flood zone, and helps you choose a policy from the National Flood Insurance Program or a private insurer. They also assist with filing claims and understanding coverage limits.

How long does it take to get flood insurance in Maryland?

Standard NFIP policies have a 30-day waiting period before coverage begins. There are exceptions for loan closings or map changes. Private flood insurance may have different waiting periods. An agent can explain the timing for your situation.

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.