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Browse flood insurance agents serving Budd Lake, New Jersey. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Budd Lake, NJ
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 New Jersey before hiring.
Showing 2 flood insurance agents in Budd Lake, NJ
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Tom Maisano - State Farm Insurance Agent
238 US-46 W, Budd Lake, NJ 07828
(973) 691-1212
tommaisano.com
John Johnson Insurance Services, LLC
481 US-46, Budd Lake, NJ 07828
(908) 747-4282
jjinsurancenj.com
Flood insurance agents in Budd Lake, New Jersey assist homeowners and businesses with obtaining coverage through the National Flood Insurance Program (NFIP). New Jersey law requires flood insurance for properties in Special Flood Hazard Areas if they have a federally backed mortgage. Local agents understand the specific flood risks near Lake Hopatcong and can help you comply with state and federal requirements.
What Does a Flood Insurance Agent in Budd Lake Cost?
Flood insurance costs in New Jersey vary based on flood zone, property elevation, and coverage amount. For an NFIP policy, annual premiums typically range from 700 to 2,000 dollars for standard homes in moderate-risk areas, but can exceed 5,000 dollars in high-risk zones. Private flood insurance may offer different rates. 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
What does a flood insurance agent in Budd Lake do?
A flood insurance agent helps you find and purchase a flood insurance policy that meets your needs. They explain NFIP coverage limits, flood zone designations, and the waiting period before coverage begins. In New Jersey, agents also advise on state-specific requirements for elevation certificates.
Is flood insurance required in Budd Lake New Jersey?
Flood insurance is required if your property is in a Special Flood Hazard Area and you have a mortgage from a federally regulated lender. Even outside high-risk zones, many homeowners in Budd Lake choose coverage because of local flood risks from heavy rain and nearby water bodies.
How do I choose a flood insurance agent in Budd Lake?
Look for an agent licensed in New Jersey with experience in NFIP policies. Ask about their knowledge of local flood maps and the elevation certificate process. You can verify an agents license through the New Jersey Department of Banking and Insurance.
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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 New Jersey.