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Looking for a flood insurance agent in Southgate? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Southgate, 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 10 flood insurance agents in Southgate, 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.
Kandi Lambert - State Farm Insurance Agent
13454 Eureka Rd, Southgate, MI 48195
(734) 720-0032
youragentkandi.com
Lademan Insurance Agency
16093 Eureka Rd, Southgate, MI 48195
(734) 284-7500
lademaninsurance.com
Sam Quisenberry - State Farm Insurance Agent
11165 Allen Rd, Southgate, MI 48195
(313) 386-6565
samq.net
Grendel-Wittbold Insurance
12850 Eureka Rd, Southgate, MI 48195
(734) 284-4740
gwinsurance.net
Gary K Smith Insurance Agency
14405 Northline Rd, Southgate, MI 48195
(734) 285-7620
garyksmithinsurance.com
Brad Baynai - State Farm Insurance Agent
18706 Eureka Rd, Southgate, MI 48195
(734) 282-6000
bradbaynai.com
Brochue Insurance Agency
13060 Northline Rd, Southgate, MI 48195
(734) 285-2100
locator.meemic.com
Kathy Loveridge - State Farm Insurance Agent
13344 Dix Toledo Rd Hwy, Southgate, MI 48195
(734) 281-6950
statefarm.com
Auto-Owners Insurance Southgate Claims
One Heritage Pl Suite 500, Southgate, MI 48195
(734) 282-7988
auto-owners.com
Stroia Insurance Group
13260 Dix Toledo Rd, Southgate, MI 48195
(734) 283-8780
stroiainsurance.com
Flood insurance agents in Southgate Michigan help homeowners and renters secure coverage through the National Flood Insurance Program. Michigan law requires flood insurance for properties in high-risk zones if they have a federally backed mortgage. Agents can explain local flood maps and assist with claims after a flood event.
What Does a Flood Insurance Agent in Southgate Cost?
The cost of flood insurance in Michigan varies by property. A typical NFIP policy for a single-family home in a low-risk zone may cost around 700 to 1,200 dollars per year. In high-risk zones, premiums can range from 1,500 to 4,000 dollars or more depending on elevation and coverage amount. 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 Southgate Michigan?
Flood insurance is required if your property is in a high-risk flood zone and you have a federally backed mortgage. Even outside high-risk zones, flooding can occur, so many residents choose to buy a policy for extra protection.
How does a flood insurance agent help with claims?
An agent can guide you through the claims process, help you document damage, and ensure you meet the 60-day deadline to file a proof of loss under the NFIP. They do not adjust claims but can explain policy terms.
What is the waiting period for flood insurance in Michigan?
Standard NFIP policies have a 30-day waiting period before coverage begins. This applies to new policies and most policy changes. Exceptions exist for loans closing on a property, but plan ahead to avoid gaps.
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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.