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Directory of flood insurance agents in St Ann, Missouri. Verify credentials with the state department of insurance before hiring.
3 agents listed
Updated May 2026
St Ann, 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 3 flood insurance agents in St Ann, 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.
Eddie Holman - State Farm Insurance Agent
500 NW Plz Dr Ste 416, St Ann, MO 63074
(314) 219-5977
eddieismyagent.com
Jim Webster Sr. - State Farm Insurance Agent
9883 St Charles Rock Rd, St Ann, MO 63074
(314) 428-3800
jimwebster.org
Shelter Insurance - James Dougherty
3459 Ashby Rd, St Ann, MO 63074
(314) 427-1102
shelterinsurance.com
Flood insurance agents in St Ann, Missouri help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. St Ann is located near the Missouri River and experiences flood risk from heavy rains and stormwater runoff. Missouri law requires flood insurance for properties in Special Flood Hazard Areas if they have a federally backed mortgage.
What Does a Flood Insurance Agent in St Ann Cost?
Typical flood insurance costs in St Ann, Missouri range from 500 to 2,500 per year depending on flood zone, building value, and deductible. NFIP policies are capped at 250,000 for residential buildings and 100,000 for contents. Private insurers may offer higher limits or lower premiums for low-risk properties. Missouri does not regulate flood insurance rates; they are set by the NFIP or private carriers. 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 St Ann 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 it. Even outside high-risk zones, flooding can occur, so many homeowners choose to purchase a policy.
What does a flood insurance agent do in St Ann?
A flood insurance agent helps you assess your flood risk, explains NFIP and private policy options, and guides you through the application process. They can also help you understand coverage limits, deductibles, and the 30-day waiting period before most NFIP policies take effect.
How much does flood insurance cost in St Ann Missouri?
Costs vary based on your property's flood zone, elevation, and coverage amount. In Missouri, NFIP policies average around 700 to 1,200 per year for standard coverage. Private flood insurance may offer different rates and higher limits. Each quote is unique to the property.
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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.