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Find Flood Insurance Agents Near You in Rochester Hills, MI
Directory of flood insurance agents in Rochester Hills, Michigan. Verify credentials with the state department of insurance before hiring.
9 agents listed
Updated May 2026
Rochester Hills, 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 Rochester Hills, 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.
Amy Bashi - State Farm Insurance Agent
2494 S Rochester Rd, Rochester Hills, MI 48307
(248) 792-9230
amybashi.com
Allied Insurance Managers, Inc.
1055 E South Blvd #110, Rochester Hills, MI 48307
(248) 853-0930
alliedinsmgr.com
Michael Spinale - State Farm Insurance Agent
1460 Walton Blvd. Ste 206, Rochester Hills, MI 48309
(248) 652-6636
mikespinale.com
Ivy Fields-Releford - State Farm Insurance Agent
2925 Walton Blvd., Rochester Hills, MI 48309
(248) 375-0510
agentivy.com
The Crawford Insurance Group
1415 Walton Blvd., Rochester Hills, MI 48309
(248) 402-5005
crawfordinsurancegroup.com
AAA Insurance - Mayer Insurance Agency
455 S Livernois Rd Ste. B23, Rochester Hills, MI 48307
(248) 413-5377
locator.acg.aaa.com
Julie Tourangeau - State Farm Insurance Agent
1826 E Auburn Rd, Rochester Hills, MI 48307
(248) 852-0800
agentjulietour.com
Guy Hurley Insurance & Surety Services
989 E South Blvd Suite 200, Rochester Hills, MI 48307
(248) 519-1400
ghbh.com
Prysock Insurance Group, LLC
6841 N Rochester Rd # 300E, Rochester Hills, MI 48306
(248) 650-8200
prysockinsurance.com
Flood insurance agents in Rochester Hills help property owners secure coverage through the National Flood Insurance Program and private insurers. Michigan law does not require flood insurance for most homes, but lenders may mandate it for properties in high-risk flood zones. Rochester Hills has areas near the Clinton River that are prone to flooding, making agent guidance valuable for residents.
What Does a Flood Insurance Agent in Rochester Hills Cost?
Typical flood insurance costs in Michigan range from 500 to 3,000 dollars per year for an NFIP policy, depending on flood zone, building characteristics, and coverage limits. A policy for a single-family home in a low-risk zone might cost 600 to 900 dollars annually, while a home in a high-risk area near the Clinton River could be 1,500 to 2,500 dollars. Private insurers may offer lower rates for lower-risk properties. 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 Rochester Hills 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, flooding can occur, so many agents recommend considering a policy.
What does a flood insurance agent do in Rochester Hills?
A flood insurance agent reviews your property's flood risk using FEMA flood maps and helps you choose a policy that covers building and contents. They explain coverage limits, deductibles, and the 30-day waiting period before most NFIP policies take effect. Agents also assist with filing claims and understanding policy exclusions.
How much does flood insurance cost in Michigan?
Flood insurance costs vary based on your home's flood zone, elevation, and coverage amount. In Michigan, an NFIP policy averages around 700 to 1,200 dollars per year for a standard home in a moderate-risk area. Properties in high-risk zones may pay 1,500 to 3,000 dollars or more. Private market options can offer different rates and terms.
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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.