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Looking for a flood insurance agent in Winona? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Winona, MN
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 Minnesota before hiring.
Showing 20 flood insurance agents in Winona, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Schmit Insurance Group
1159 Gilmore Ave #3, Winona, MN 55987
(507) 458-0007
schmitinsurance.com
Anthony Vote - State Farm Insurance Agent
1201 Gilmore Ave Ste F-6, Winona, MN 55987
(507) 452-9270
covermesf.com
A.J. Kanz American Family Insurance
163 Walnut St, Winona, MN 55987
(507) 454-4638
amfam.com
Strategic Insurance Group
157 W 3rd St Suite E, Winona, MN 55987
(507) 858-5365
insurancewinona.com
State Farm Insurance
678 Mankato Ave #100, Winona, MN 55987
(507) 452-2934
statefarm.com
Steve Young Agency Inc American Family Insurance
1502 W Service Dr, Winona, MN 55987
(507) 454-1185
amfam.com
Wunderlich Insurance Agency
601 Main St, Winona, MN 55987
(507) 454-3348
wunderlichinsurance.com
Farm Bureau Financial Services: Steve Jansen
163 W 2nd St, Winona, MN 55987
(507) 615-5166
fbfs.com
WA Group (formerly Winona Agency)
174 Center St, Winona, MN 55987
(507) 452-3366
walivebig.com
Farmers Insurance - David Jensen
350 E Sarnia St Ste 5, Winona, MN 55987
(507) 474-7005
agents.farmers.com
Farmers Insurance - Jason Banitt
103 W Broadway St, Winona, MN 55987
(507) 452-5916
agents.farmers.com
Jack Warnemunde - State Farm Insurance Agent
127 Johnson St, Winona, MN 55987
(507) 452-3907
jackwarnemunde.com
Farmers Insurance - April Carrier
902 E 2nd St Ste 108, Winona, MN 55987
(507) 474-4115
agents.farmers.com
Atlas Insurance Brokers of Winona
474 W Sarnia St, Winona, MN 55987
(507) 452-1951
atlasinsurancewinona.com
Midwest Insurance Services LLC
760 E Broadway St, Winona, MN 55987
(612) 238-8782
Brendel & Glenna Insurance: Dan Brendel
50 W 2nd St #113, Winona, MN 55987
(507) 429-0444
brendelandglennainsurance.com
Wunderlich Robb
601 Main St, Winona, MN 55987
(507) 454-3348
wunderlichinsurance.com
Loyalty Insurance MN
607 Main St, Winona, MN 55987
(507) 218-4410
Superior Insurance Services MN
267 S Baker St, Winona, MN 55987
(507) 225-0942
Farmers Insurance - Douglas Troke
78 W 3rd St, Winona, MN 55987
(507) 452-0360
agents.farmers.com
Winona sits along the Mississippi River and faces flood risks from spring thaws and heavy rains. A flood insurance agent in Winona can help you understand the National Flood Insurance Program (NFIP) and find a policy that meets your needs. Minnesota law requires lenders to mandate flood insurance for properties in high-risk flood zones, so working with a local agent is important for compliance.
What Does a Flood Insurance Agent in Winona Cost?
Flood insurance premiums in Minnesota vary by flood zone, building elevation, and coverage amount. For a standard NFIP policy, annual premiums typically range from 700 to 2,000 dollars for a single-family home in a moderate-risk zone. Properties in high-risk areas or with low elevation may cost 2,500 to 5,000 dollars or more. 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 Winona?
If your property is in a Special Flood Hazard Area (SFHA) as shown on FEMA flood maps, your lender will require flood insurance. Even outside high-risk zones, flood damage is not covered by standard homeowners policies, so an agent can help you decide if a policy is wise.
How do I find a flood insurance agent in Winona?
You can search the NFIP agent locator on the FEMA website or contact local insurance agencies in Winona that offer property and casualty coverage. Ask specifically if they write NFIP policies and have experience with Winona flood zones.
What does a flood insurance policy cover in Minnesota?
NFIP policies cover direct physical damage from flooding, including water from rivers, heavy rain, or snowmelt. Coverage includes the building structure and contents up to policy limits. An agent can explain exclusions like basement improvements or temporary housing.
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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 Minnesota.