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Looking for a flood insurance agent in Lake Orion? Review the directory below to compare your options.
9 agents listed
Updated May 2026
Lake Orion, 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 Lake Orion, 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.
J Jacobs and Associates ⭐⭐⭐⭐⭐
4301 S Baldwin Rd, Lake Orion, MI 48359
(248) 693-6455
jjainsurance.com
Jake Asbury - State Farm Insurance Agent
3055 S Baldwin Rd, Lake Orion, MI 48359
(248) 636-1644
asburysf.com
Great Lakes Independent Insurance Agency, Inc.
36 W Flint St, Lake Orion, MI 48362
(248) 393-2400
greatlakesindependent.com
State Farm Insurance
32 N Broadway St, Lake Orion, MI 48362
(248) 628-3110
statefarm.com
FAMILY SHIELD INSURANCE GROUP
1290 S Lapeer Rd, Lake Orion, MI 48360
(248) 436-2888
familyshieldins.com
Jamie Felix - State Farm Insurance Agent
95 Indianwood Rd, Lake Orion, MI 48362
(248) 693-8100
jamiefelix.com
Farmers Insurance - Christy Skrine
1520 S Lapeer Rd Ste 209, Lake Orion, MI 48360
(248) 693-0050
agents.farmers.com
Steven Hoffman - HUB International
18 S Broadway St, Lake Orion, MI 48362
(248) 602-4300
hubinternational.com
Gerry Farm Bureau Agency
18 S Broadway St, Lake Orion, MI 48362
(248) 621-2620
michfb.com
Flood insurance agents in Lake Orion Michigan help property owners understand their risk and secure coverage through the National Flood Insurance Program or private insurers. Michigan law does not require flood insurance for most homes, but mortgage lenders may mandate it in high-risk zones. Lake Orion is near several lakes and rivers, making flood protection a smart choice for many residents.
What Does a Flood Insurance Agent in Lake Orion Cost?
The cost of flood insurance in Michigan varies widely based on your property's flood zone, elevation, building characteristics, and coverage amount. For a typical NFIP policy in Lake Orion, annual premiums can range from about 600 dollars for low-risk areas to over 2,000 dollars for high-risk zones. Private flood insurance may offer different pricing. 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
Do I need flood insurance in Lake Orion Michigan?
Flood insurance is not required by Michigan law for most properties. However, if your home is in a FEMA-designated high-risk flood zone and you have a federally backed mortgage, your lender will require it. Even in low-risk areas, flooding can occur, so many homeowners choose to purchase a policy.
What does a flood insurance agent in Lake Orion do?
A flood insurance agent helps you assess your flood risk, explains policy options from the NFIP or private insurers, and assists with completing the application. They can also help you understand coverage limits, deductibles, and the 30-day waiting period before most policies take effect.
How long does it take for flood insurance to start in Michigan?
Standard NFIP flood insurance policies have a 30-day waiting period from the date of application and payment. There are limited exceptions, such as when coverage is required for a mortgage closing. Your Lake Orion agent can explain these rules.
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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.