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Directory of flood insurance agents in Garden City, Michigan. Verify credentials with the state department of insurance before hiring.
9 agents listed
Updated May 2026
Garden City, MI
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 Michigan before hiring.
Showing 9 flood insurance agents in Garden City, MI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Lisa Lindbloom - State Farm Insurance Agent
29510 Ford Rd, Garden City, MI 48135
(734) 261-3111
lisalindbloom.com
L.A. Insurance
32917 Ford Rd, Garden City, MI 48135
(734) 367-9900
lainsurance.com
MIKE ALMALIKY: Allstate Insurance
32940 Cherry Hill Rd, Garden City, MI 48135
(313) 203-9319
agents.allstate.com
Paula M. Schembri: Allstate Insurance
29207 Ford Rd, Garden City, MI 48135
(734) 427-6020
agents.allstate.com
McFarlane-King Agency
28230 Ford Rd, Garden City, MI 48135
(734) 427-3000
mkainsurance.com
Flex Insurance Agency
1757 Inkster Rd, Garden City, MI 48135
(734) 425-5888
flexinsurance.net
AAA Insurance - Gheeda Insurance Agency, LLC
1757 Inkster Rd, Garden City, MI 48135
(734) 425-5359
locator.acg.aaa.com
Beaudrie Insurance Agency
29207 Ford Rd, Garden City, MI 48135
(734) 379-2400
beaudrieagency.com
Manessa Agency
6743 Middlebelt Rd, Garden City, MI 48135
(734) 881-0001
locator.meemic.com
Flood insurance agents in Garden City Michigan help homeowners and businesses secure coverage through the National Flood Insurance Program and private insurers. Michigan law does not require flood insurance but mortgage lenders often mandate it for properties in Special Flood Hazard Areas. Garden City lies near the Rouge River system so local agents understand the specific flood risks in Wayne County.
What Does a Flood Insurance Agent in Garden City Cost?
The average cost of flood insurance in Michigan is about 700 dollars per year for an NFIP policy but rates vary widely. In Garden City a policy for a single-family home in a high-risk zone can range from 500 to 1500 dollars annually. Factors include flood zone elevation deductible and building value. Private insurers may offer lower rates for low-risk properties. This is general information 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
Do I need flood insurance in Garden City Michigan?
Michigan law does not require flood insurance but your mortgage lender may require it if your property is in a FEMA-designated flood zone. Garden City has areas near the Rouge River that fall into Zone AE which carries a higher flood risk.
How do I find a flood insurance agent in Garden City?
You can search the NFIP agent locator on FloodSmart.gov or call local independent insurance agencies in Garden City. Many agents in Wayne County offer both NFIP and private flood insurance options.
What does flood insurance cover in Michigan?
Standard NFIP policies cover up to 250000 dollars for the building and 100000 dollars for contents. Private policies may offer higher limits and additional coverage like basement improvements which NFIP does not cover.
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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 Michigan.