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Compare Flood Insurance Agents in Independence, MO
Looking for a flood insurance agent in Independence? Review the directory below to compare your options.
20 agents listed
Updated May 2026
Independence, 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 20 flood insurance agents in Independence, 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.
Chad Mitchell - State Farm Insurance Agent
14901 E 42nd St S, Independence, MO 64055
(816) 836-0114
chadmitchell.net
Freeway Insurance
3619 S Noland Rd, Independence, MO 64055
(816) 685-6985
locations.freeway.com
Matrix Insurance
11201 E US Hwy 24 B, Independence, MO 64054
(816) 272-4444
matrixagency.com
The Insurance Groupe
16012 East 23rd St S, Independence, MO 64055
(816) 461-2260
theinsurancegroupe.com
Olson Agency LLC - Jon Olson
12401 East 43rd St S Ste 170, Independence, MO 64055
(816) 754-1277
AAA Independence Insurance and Member Services
19210 East 39th St S Suite B, Independence, MO 64057
(816) 373-1717
ace.aaa.com
Budget For Less LLC
10808 East 23rd St S, Independence, MO 64052
(816) 252-5213
Beacon Point Insurance
114 S Main St Suite 102, Independence, MO 64050
(816) 254-6100
beaconpoint.co
Hometown Insurance Agency LLC
4800 S Cochise Dr, Independence, MO 64055
(816) 795-7200
hometowninsurancekc.com
SF Services LLC
4710 S Cedar Crest Ct Suite 800, Independence, MO 64055
(816) 795-5108
savage-financial.com
Mavels Insurance, Tax and Multiservices
17000 US-24 E, Independence, MO 64056
(816) 888-8565
mavelinsurance.com
Shelter Insurance - Garry Hoyer, II
17911 E US Hwy 24 B16, Independence, MO 64056
(816) 254-8236
shelterinsurance.com
Shelter Insurance - Dan Welch
17201 E US Hwy 40 Ste 101A, Independence, MO 64055
(816) 478-1840
shelterinsurance.com
Shelter Insurance - Max Rourke
17201 E US Hwy 40 Ste 101B, Independence, MO 64055
(816) 373-1426
shelterinsurance.com
Shelter Insurance - John John
9306 E US Hwy 40, Independence, MO 64055
(816) 356-1336
shelterinsurance.com
Goosehead Insurance - Dewayne Burkett
3720 Arrowhead Ave Suite 211 - Office 4, Independence, MO 64057
(816) 379-3217
goosehead.com
Jim Blau Insurance Agency
2661 S Hub Dr Ste B, Independence, MO 64055
(816) 833-1595
jimblauagency.com
Big Sky Agency
701 East 23rd St S B, Independence, MO 64055
(816) 322-2888
bigsky-agency.com
Shelter Insurance - Blake Bolin
218 W Maple Ave, Independence, MO 64050
(816) 252-1100
shelterinsurance.com
Gallagher Insurance, Risk Management & Consulting
4911 S Arrowhead Dr #310, Independence, MO 64055
(816) 525-3155
assuredpartners.com
Flood insurance agents in Independence Missouri help property owners obtain coverage through the National Flood Insurance Program and private carriers. Missouri law does not require flood insurance for most homes, but lenders often mandate it for properties in Special Flood Hazard Areas. Independence has several flood zones near the Blue River and Little Blue River, making professional agent guidance important for accurate risk assessment.
What Does a Flood Insurance Agent in Independence Cost?
Flood insurance costs in Independence Missouri vary based on flood zone, elevation, building age, and coverage amount. An NFIP policy for a single-family home in a moderate-risk zone might cost 600 to 1200 dollars per year, while high-risk zones can range from 1500 to 4000 dollars or more. Private flood insurance may offer different rates and higher limits. 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 Independence Missouri?
Flood insurance is not required by Missouri state law for all 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, agents can help you consider optional coverage.
How do I choose a flood insurance agent in Independence?
Look for an agent licensed in Missouri who specializes in flood policies through the NFIP or private markets. Ask about their experience with properties near the Missouri River or local creeks. A good agent will explain the 30-day waiting period for NFIP policies and help you compare deductibles and coverage limits.
What does flood insurance cover in Missouri?
Standard flood insurance from the NFIP covers structural damage to your building and contents up to policy limits. It does not cover basement improvements or personal property stored in basements. Missouri agents can also discuss excess flood coverage for high-value homes or businesses that need more than the NFIP maximum of 250000 dollars for buildings.
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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 Missouri.