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Directory of flood insurance agents in Kirkwood, Missouri. Verify credentials with the state department of insurance before hiring.
13 agents listed
Updated May 2026
Kirkwood, 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 13 flood insurance agents in Kirkwood, 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.
Anthony Luster - State Farm Insurance Agent
1045 N Harrison Ave, Kirkwood, MO 63122
(314) 462-0399
anthonyluster.com
Jake Molitor - State Farm Insurance Agent
338 S Kirkwood Rd Unit 102, Kirkwood, MO 63122
(314) 821-4500
kirkwoodmoinsurance.com
The Crismore Agency
117 W Woodbine Ave 2nd floor, Kirkwood, MO 63122
(314) 480-3720
Farmers Insurance - Brody Jackson
12166 Old Big Bend Rd Suite 302, Kirkwood, MO 63122
(636) 600-0720
agents.farmers.com
Kirk D Faubel Insurance Advisors
10135 Manchester Rd Apt 202, Kirkwood, MO 63122
(618) 363-5272
faubelinsurance.com
Kevin Weber - State Farm Insurance Agent
244 W Essex Ave, Kirkwood, MO 63122
(314) 821-1151
kevinweber.net
Hardy R Washington Jr - State Farm Insurance Agent
800 S Kirkwood Rd, Kirkwood, MO 63122
(314) 821-8488
hardywashington.com
Shelter Insurance - Jim Summers
710 S Kirkwood Rd, Kirkwood, MO 63122
(314) 394-9661
shelterinsurance.com
John Cleary: Allstate Insurance
111 N Taylor Ave Ste B, Kirkwood, MO 63122
(314) 822-0007
agents.allstate.com
Koury Insurance Agency
11039 Manchester Rd, Kirkwood, MO 63122
(314) 822-9275
kouryinsurance.com
Hashley Insurance Agency
101 W Argonne Dr Ste 244, Kirkwood, MO 63122
(314) 569-1440
hashleyinsurance.com
Shelter Insurance
325 N Kirkwood Rd Ste G1, Kirkwood, MO 63122
(314) 909-0077
shelterinsurance.com
West County Insurance
103 N Taylor Ave suite b, Kirkwood, MO 63122
(314) 835-9800
westcountyins.com
Flood insurance agents in Kirkwood, Missouri help property owners secure coverage through the National Flood Insurance Program and private insurers. Kirkwood sits near the Meramec River and has areas in Special Flood Hazard Areas, making flood insurance a key consideration for many homeowners. Missouri law does not require flood insurance for all properties, but lenders often mandate it for homes in high-risk zones.
What Does a Flood Insurance Agent in Kirkwood Cost?
In Missouri, flood insurance premiums through the NFIP typically range from $500 to $3,000 per year for a standard home, depending on flood zone, elevation, and coverage amount. Private flood insurance may cost more or less based on risk. Properties in high-risk zones near the Meramec River may see higher premiums. 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 Kirkwood Missouri?
Flood insurance is not required by Missouri state law for all properties. However, if your home is in a high-risk flood zone and you have a federally backed mortgage, your lender will require flood insurance. Kirkwood participates in the National Flood Insurance Program, allowing residents to purchase NFIP policies.
How does a flood insurance agent help me in Kirkwood?
A flood insurance agent in Kirkwood can assess your propertys flood risk using FEMA flood maps and help you choose a policy that fits your needs. 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 Missouri specific floodplain regulations.
What is the 30-day waiting period for flood insurance?
Most NFIP flood insurance policies have a 30-day waiting period from the date of purchase before coverage begins. This means you cannot buy a policy right before a storm and expect immediate coverage. Exceptions apply if you are buying a home with a new mortgage or if the policy is required due to a flood map revision.
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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.