ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare flood insurance agents in Cape Girardeau. Review contact information and insurance categorys before you decide.
19 agents listed
Updated May 2026
Cape Girardeau, MO
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 Missouri before hiring.
Showing 19 flood insurance agents in Cape Girardeau, MO
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Discount Insurance Group
1009 N Kingshighway St, Cape Girardeau, MO 63701
(573) 339-1100
discountinsurancegroup.com
Goosehead Insurance - Nick Laiben
338 Broadway St Ste 311, Cape Girardeau, MO 63701
(573) 334-9999
goosehead.com
TIG Thomas Insurance Group
56 Doctors Park Dr, Cape Girardeau, MO 63703
(573) 651-3652
tig-ins.com
Coalter Insurance Group
1001 Independence St, Cape Girardeau, MO 63703
(573) 339-1222
coalterinsurancegroup.com
Shelter Insurance - Sarah Reilly
339 Broadway St Suite 148, Cape Girardeau, MO 63701
(573) 803-3999
shelterinsurance.com
Hoesli Insurance Agency
338 Broadway St Suite 505, Cape Girardeau, MO 63701
(573) 290-7777
hoesliagency.com
Farmers Insurance - Douglas Spooler, ChFC® RICP® FSCP®
75 Sheridan Dr, Cape Girardeau, MO 63703
(573) 335-4343
agents.farmers.com
Laurel Adkisson Agency LLC American Family Insurance
760 S Kingshighway D, Cape Girardeau, MO 63703
(573) 334-1095
amfam.com
Arnold Insurance
875 N Kingshighway St, Cape Girardeau, MO 63701
(573) 651-0509
myarnoldteam.com
AAA Cape Girardeau Insurance and Member Services
1903 Broadway St, Cape Girardeau, MO 63701
(573) 334-3038
ace.aaa.com
Brightway Insurance, The Prima Agency
1936 Broadway St B, Cape Girardeau, MO 63701
(573) 335-5822
brightwayprima.com
Blair Bohannon - State Farm Insurance Agent
440 S Mt Auburn Rd Suite 106, Cape Girardeau, MO 63703
(573) 271-2102
mysfagentblair.com
Shelter Insurance - Rebecca Tosarello
87 S Plaza Way, Cape Girardeau, MO 63703
(573) 335-5287
shelterinsurance.com
Rob Rueseler & Associates
113 S Broadview St, Cape Girardeau, MO 63703
(573) 334-5086
rueselerandassociates.com
Shelter Insurance - Terri Shaw
1418 N Kingshighway St, Cape Girardeau, MO 63701
(573) 335-8116
shelterinsurance.com
Fraternal Insurance Agency
207 S Kingshighway, Cape Girardeau, MO 63703
(573) 258-5096
Capital Insurance & Associates, Inc.
326 S Broadview St, Cape Girardeau, MO 63703
(573) 335-2300
capitalinsagency.com
Shelter Insurance - Dru Armitage
2907 Independence St Suite E, Cape Girardeau, MO 63703
(573) 803-4000
shelterinsurance.com
Robbie White - Missouri Farm Bureau Insurance
2504 William St, Cape Girardeau, MO 63703
(573) 651-3231
agents.mofbinsurance.com
Flood insurance agents in Cape Girardeau help property owners secure coverage through the National Flood Insurance Program and private carriers. Cape Girardeau sits along the Mississippi River and has designated Special Flood Hazard Areas. Missouri law requires flood insurance for properties with federally backed mortgages in high-risk zones.
What Does a Flood Insurance Agent in Cape Girardeau Cost?
Flood insurance costs in Cape Girardeau vary by property elevation, flood zone, and coverage amount. NFIP policies average around $700 to $1,200 per year for standard coverage. Private flood insurance may be higher or lower. Costs are set by federal and state guidelines. 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 Cape Girardeau Missouri?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required. Even outside high-risk zones, flooding can occur. An agent can check your flood zone status.
How does a flood insurance agent help in Cape Girardeau?
An agent reviews your property elevation and flood zone to find the right policy. They explain NFIP coverage limits and can offer private flood insurance options. Agents also assist with filing claims after a flood event.
What is the waiting period for flood insurance in Missouri?
NFIP policies typically have a 30-day waiting period before coverage begins. Exceptions exist for loans closing on a property. Missouri agents can advise on timing to avoid gaps in coverage.
Free • No Obligation
Compare Flood Insurance Agents
Get matched with agents in Cape Girardeau who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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 Missouri.