The top-rated flood insurance agent in Prince Frederick, Maryland is Wayne Shoemaker - State Farm Insurance Agent, rated 4.9 stars across 260 reviews. Other highly rated options include Mike Paxson - State Farm Insurance Agent, Midtown Insurance Group, LLC, An Erie Insurance Agency, Marshall & Associates Insurance Inc. This directory lists 14 flood insurance agents serving Prince Frederick.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Wayne Shoemaker - State Farm Insurance Agent | 205 Steeple Chase Dr #305 | (410) 535-0434 |
| 2 | Mike Paxson - State Farm Insurance Agent | 140 Main St | (410) 535-4774 |
| 3 | Midtown Insurance Group, LLC, An Erie Insurance Agency | 55 Church St | (410) 449-6500 |
| 4 | Marshall & Associates Insurance Inc | 501 Main St #202 | (410) 586-2381 |
| 5 | OakPoint Insurance | 3695 Hallowing Point Rd Suite 5 | (410) 535-0997 |
| 6 | A & W Insurance Services, Inc. | 710 Solomons Island Rd N | (410) 535-2700 |
| 7 | CoreSafe Insurance LLC | 154 W Dares Beach Rd | (410) 729-6687 |
| 8 | Easy Insurance Service MD | 354 Costley Way | (410) 260-0112 |
| 9 | Bright Hope Insurance Prince Frederick | 205 W Dares Beach Rd | (410) 705-5922 |
| 10 | Nationwide Insurance: R&G Insurance Associates Inc | 15 Church St | (410) 535-2626 |
Wayne Shoemaker - State Farm Insurance Agent serves Calvert County and the surrounding areas of Prince Frederick, Maryland, offering flood insurance policies for homeowners and businesses. The agency helps clients assess their flood risk based on local flood zone maps and federal requirements. It assists with filing claims for flood damage and reviews coverage limits during policy renewals. Its services include guidance on National Flood Insurance Program compliance and adjustments for changing water damage risks in the region.
Mike Paxson - State Farm Insurance Agent in Prince Frederick, MD, provides flood insurance coverage and risk evaluations for property owners in the region. The agency helps clients understand flood zone maps and secure appropriate policies, offering ongoing support to adjust coverage as needs change. Service plans include policy reviews, claim filing assistance, and periodic updates on flood risks. The agency services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Midtown Insurance Group, LLC, An Erie Insurance Agency, serves homeowners, businesses, and property managers in Prince Frederick, MD, by providing flood insurance policies to protect against water damage from storms and rising tides. It helps clients navigate federal flood program requirements and assess their property’s risk level. This agency complements these services by also covering neighboring areas such as Lusby and Solomons Island, ensuring residents across the Calvert County region have access to vital flood protection.
For property owners in Prince Frederick, Maryland, flood insurance can be obtained either as a one-time policy for a specific risk event or as a recurring annual policy for ongoing protection. Marshall & Associates Insurance Inc serves residents in this area by offering coverage that helps protect structures and contents from flood damage. This flood insurance agent assists clients in understanding federal program requirements and local flood zone considerations. Service is provided on an as-needed basis for new policies, policy reviews, and claims assistance.
OakPoint Insurance specializes in flood insurance policies, covering both residential and commercial properties in Prince Frederick, MD. It generally assists clients in evaluating their flood risk and selecting appropriate coverage plans. The agency helps navigate the complexities of the National Flood Insurance Program for local homeowners. In particular, it addresses concerns following seasonal heavy rains and potential storm surges in the Chesapeake Bay region.
A & W Insurance Services, Inc. serves Prince Frederick and the surrounding Calvert County communities, handling flood insurance policies for local residents and businesses. It addresses the specific flood risks common to the Chesapeake Bay region, guiding clients through the National Flood Insurance Program. To manage a typical job, the agency carefully reviews individual property elevations and flood zone maps to secure adequate coverage.
CoreSafe Insurance LLC provides residential and commercial flood insurance in Prince Frederick, Maryland. The company focuses on this specialized coverage as an add-on to standard policies, helping local property owners manage flood risk. It assists clients in understanding federal flood insurance requirements and securing appropriate protection against water damage from storms or rising waters. Commercial sectors served include offices, warehouses, and food service operations.
Spring storms and rising tides along the Patuxent River often leave Prince Frederick homeowners searching for reliable coverage. Easy Insurance Service MD addresses this recurring need by providing flood insurance agent services tailored to local properties. They help clients understand the distinctions between ground-level runoff and tidal surge risks that affect Calvert County policies. After discussing a property’s elevation and flood zone designation, the agent proceeds to assess the site’s specific mitigation measures and drainage infrastructure. This initial inspection establishes the baseline for appropriate coverage recommendations and premium adjustments.
Bright Hope Insurance Prince Frederick handles residential flood insurance applications for homeowners in the Prince Frederick area, ensuring properties are protected against potential water damage. Commercial flood coverage is also available for local businesses needing financial safeguards. Service extends throughout the surrounding region, assisting clients with policy selection and documentation tailored to specific properties. After the initial enrollment, the agency follows up on policy renewals and any coverage adjustments requested between regular visits, maintaining support for long-term client needs.
Nationwide Insurance: R&G Insurance Associates Inc in Prince Frederick, MD is known for helping property owners secure flood coverage through the National Flood Insurance Program. Its service range includes assessing local flood zone risks and guiding clients through policies that protect homes and businesses against water damage. As part of its specialty offerings, the agency can also write excess flood insurance for high-value properties.
What Does a a Flood Insurance Agent in Prince Frederick Cost?
The cost of flood insurance in Prince Frederick varies by property location, flood zone, elevation, and coverage amount. An NFIP policy in a moderate-to-low risk zone can start around $500 per year, while high-risk zones may see premiums from $1,000 to over $5,000 annually. Private flood insurance may offer different pricing. This is general information, not insurance advice.
About flood insurance agents in Prince Frederick
Flood insurance agents in Prince Frederick, Maryland help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Maryland law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Local agents understand Calvert County flood maps and can guide you through the 30-day waiting period for new NFIP policies.
Frequently Asked Questions
Do I need flood insurance in Prince Frederick Maryland?
If your property is in a Special Flood Hazard Area (SFHA) as shown on FEMA flood maps and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, many homeowners choose coverage because flooding can happen anywhere.
How long does it take for a flood insurance policy to start in Maryland?
NFIP policies have a standard 30-day waiting period from the date of application before coverage begins. There are exceptions for newly mapped flood zones or if flood insurance is required for a mortgage closing.
What does a flood insurance agent in Prince Frederick do?
A flood insurance agent helps you assess your flood risk, explains policy options, and obtains quotes from the NFIP or private insurers. They also assist with filing claims and understanding coverage limits, deductibles, and exclusions.
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