The top-rated flood insurance agent in Ann Arbor, Michigan is Tom Pelham - State Farm Insurance Agent, rated 5.0 stars across 548 reviews. Other highly rated options include John Avery - State Farm Insurance Agent, Matt Fahoome - State Farm Insurance Agent, Heidi Kussurelis Insurance. This directory lists 24 flood insurance agents serving Ann Arbor.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Tom Pelham - State Farm Insurance Agent | 2178 S State St Suite B | (734) 929-1818 |
| 2 | John Avery - State Farm Insurance Agent | 709 W Ellsworth Rd Ste 112 | (734) 477-6090 |
| 3 | Matt Fahoome - State Farm Insurance Agent | 2221 Jackson Ave | (734) 761-2666 |
| 4 | Heidi Kussurelis Insurance | 2405 S Main St | (734) 213-6736 |
| 5 | Ann Arbor Insurance Centre | 2755 Carpenter Rd | (734) 973-9444 |
| 6 | Lequana Robinson Insurance Agency | 2531 Jackson Ave #318 | (734) 585-5259 |
| 7 | Concept Insurance | 4884 S State Rd | (734) 369-9900 |
| 8 | Falcon Insurance Agency of Michigan | Floor Seven, 202 E Washington St Suite 711 | (734) 887-9110 |
| 9 | Gallagher Insurance, Risk Management & Consulting | 305 E Eisenhower Pkwy #200 | (734) 662-3100 |
| 10 | L.A. Insurance | 4667 Washtenaw Ave | (734) 528-8000 |
Tom Pelham - State Farm Insurance Agent serves Ann Arbor, Washtenaw County, and the surrounding region, specializing in flood insurance solutions. This agency helps homeowners, renters, and business owners obtain National Flood Insurance Program policies that protect structures and personal property. Its services are designed to simplify the complexities of flood risk and coverage requirements. Daily operations include analyzing flood zone ratings and advising on appropriate policy deductibles. The office handles flood loss claims assistance and eligibility evaluations for properties in Special Flood Hazard Areas.
Serving the Ann Arbor area, John Avery - State Farm Insurance Agent provides flood insurance policies to protect against weather-related water damage. Its service includes helping clients assess their property’s flood risk and navigate coverage options to ensure proper protection. Regular policy reviews are offered to adjust plans as needs change over time. The agency provides services for single-family homes, apartments, retail, and restaurants.
Homeowners, businesses, and property managers in Ann Arbor can turn to Matt Fahoome - State Farm Insurance Agent for flood insurance coverage. This agency helps clients understand the specific flood risks that affect properties in the region, offering policies that protect against water damage from heavy rains and overflowing rivers. The team works to find appropriate coverage for residential and commercial structures alike, ensuring financial protection during severe weather events. Their service area also extends to the greater Washtenaw County metro, including surrounding communities near Ypsilanti.
Serving Ann Arbor and the surrounding communities of Washtenaw County, Heidi Kussurelis Insurance specializes in helping property owners secure flood insurance coverage. The agency handles policies for both residential and commercial properties, addressing the specific risks posed by local watersheds and seasonal weather patterns. To handle a typical job, the agent reviews the property's flood zone designation and recent elevation data before comparing available National Flood Insurance Program options to find a suitable policy.
Ann Arbor Insurance Centre in Ann Arbor, MI, helps clients distinguish between a one-time flood insurance policy for a single event and recurring annual flood coverage that renews each year. Their services focus on securing protection against flood damage for residential or commercial properties, as water damage from rising waters is a common risk in this region. Coverage options are tailored to meet standard federal and private policy requirements. Appointments for their flood insurance agent services run on an as-needed basis.
When spring rains and snowmelt threaten basements across Washtenaw County, residents seek guidance on their exposure. Lequana Robinson Insurance Agency in Ann Arbor helps property owners evaluate their flood risk and understand the available coverage options. The agency reviews local flood zone maps and policy terms that address damage from rising water. After an initial discussion of a client's specific needs and property layout, the company schedules a site inspection to assess drainage and foundation vulnerabilities.
Concept Insurance provides guidance on flood insurance options for property owners in Ann Arbor, Michigan, helping to address risks from heavy rainfall and inland flooding. The agency specializes in policies that may cover structural damage and contents replacement as separate coverages. It can assist with evaluating coverage limits for commercial clients, including office buildings, warehouses, and food service establishments in the area.
Falcon Insurance Agency of Michigan offers specialized flood insurance agent services, helping homeowners and businesses in Ann Arbor secure coverage for properties in designated flood zones. The agency broadly assists clients in understanding federal flood program requirements, evaluating policy options, and navigating the application process to protect against water damage. As seasonal rains and rapid snowmelt frequently threaten the Huron River watershed, the agency helps local property owners prepare for increased flood risks during spring thaws.
Gallagher Insurance, Risk Management & Consulting in Ann Arbor, MI, is known for providing personalized guidance on flood insurance policies. It serves residential and commercial clients throughout the region, helping them navigate National Flood Insurance Program options and private market solutions. The company assists with risk assessment and coverage selection to protect properties from water damage. It also offers consultation on elevating structures to qualify for lower premium rates through flood zone map analysis.
L.A. Insurance offers residential flood insurance to homeowners in Ann Arbor, Michigan. Commercial flood coverage is also available for local businesses throughout the surrounding area. Policies are tailored to protect properties against rising water from heavy rains or overflowing rivers in this region. Clients can schedule follow-up consultations when policy updates become necessary between regular visits to ensure continued protection.
What Does a a Flood Insurance Agent in Ann Arbor Cost?
Flood insurance costs in Michigan depend on the property's flood risk, elevation, and coverage amount. For an NFIP policy, annual premiums often fall between 700 and 2,000 dollars for a standard dwelling. Private flood insurance may be cheaper or more expensive based on the carrier and risk assessment. Costs can be higher for properties in high-risk flood zones or with older construction. This is general information and not insurance advice.
About flood insurance agents in Ann Arbor
Flood insurance agents in Ann Arbor help homeowners and renters secure coverage through the National Flood Insurance Program or private insurers. Michigan law does not require flood insurance for most properties, but lenders often mandate it for homes in high-risk flood zones. Ann Arbor properties near the Huron River or in low-lying areas may benefit from an agent's guidance on flood risk and policy limits.
Frequently Asked Questions
Do I need flood insurance in Ann Arbor Michigan?
Flood insurance is not required by Michigan state law for most 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. Even outside high-risk zones, flood damage is not covered by standard homeowners policies.
What does a flood insurance agent in Ann Arbor do?
A flood insurance agent helps you assess your flood risk, compare NFIP and private flood insurance options, and choose a policy that fits your property and budget. They can explain coverage limits, waiting periods, and elevation certificate requirements specific to Washtenaw County.
How much does flood insurance cost in Ann Arbor Michigan?
Flood insurance costs vary based on your property's flood zone, elevation, and coverage amount. Under the NFIP, annual premiums in Michigan typically range from 700 to 2,000 dollars for standard policies. Private flood insurance may offer different rates. An agent can provide a quote tailored to your home.
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