The top-rated flood insurance agent in Concord, North Carolina is Byrd Agency Inc, rated 5.0 stars across 383 reviews. Other highly rated options include Trey Siner Insurance Group, The Compass Agency LLC, Jim Hodgens - State Farm Insurance Agent. This directory lists 17 flood insurance agents serving Concord.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Byrd Agency Inc | 797 Davidson Dr NW | (704) 786-2108 |
| 2 | Trey Siner Insurance Group | 247 Church St NE | (704) 795-6878 |
| 3 | The Compass Agency LLC | 638 Concord Pkwy N | (704) 933-8080 |
| 4 | Jim Hodgens - State Farm Insurance Agent | 845 Church St N #104 | (704) 782-3515 |
| 5 | Allen & Ballard Insurance Associates | 732 Kannapolis Pkwy | (704) 795-7801 |
| 6 | Pegram & AllCare Insurance Services | 50 Transit Ct NW | (704) 782-1123 |
| 7 | Madison Insurance Group | 3775 NC-73 | (704) 782-2073 |
| 8 | Ralph or "Britt" Brittain - State Farm Insurance Agent | 280 Concord Pkwy S The Village, #117 | (704) 786-5417 |
| 9 | HighStreet Moulton Insurance Group | 250 Church St NE | (704) 782-6917 |
| 10 | Insurance Concord | 9900 Poplar Tent Rd Ste 115 #312 | (980) 306-5355 |
Byrd Agency Inc serves the greater Cabarrus County area, including Concord, NC, as a local flood insurance agent. The agency helps property owners navigate the complexities of flood risk and National Flood Insurance Program options. Its consultants provide guidance on policy selection to match individual property needs and local flood zone requirements. Clients can rely on the office for assistance with initial plan inquiries and policy management details. Specific services include explaining flood hazard maps and obtaining quotes for residential structures.
Trey Siner Insurance Group offers flood insurance agent services to property owners in Concord, NC, guiding clients through policy selection and coverage options. The company assists with plan evaluation and annual reviews to adjust for changing flood zone risks. Its service approach includes documentation support for claims and compliance with federal flood program requirements. The agency works with owners of single-family homes, apartments, retail spaces, and restaurants.
The Compass Agency LLC serves homeowners, businesses, and property managers in Concord, North Carolina, by helping them secure flood insurance coverage tailored to their property’s risk. The agency guides clients through the complexities of flood policies, ensuring they understand their options for protecting assets against water damage. This service is particularly valuable given the region’s exposure to seasonal storms. The agency also extends its flood insurance assistance to clients in the neighboring community of Kannapolis and surrounding Cabarrus County areas.
Jim Hodgens - State Farm Insurance Agent in Concord, NC, serves clients across Concord and the surrounding Cabarrus County communities with flood insurance policies. The agency handles coverage for residential homes and commercial properties located in designated flood zones. To assess each client’s specific risk of water damage, the office reviews property elevation and local flood maps. It then offers customized policy options that meet federal requirements while addressing individual financial protection needs. The agency also guides clients through the claims process when storm events or rising water necessitate a payout.
Allen & Ballard Insurance Associates specializes in flood insurance policies for residential and commercial properties in Concord, NC. The agency guides clients through the Federal Emergency Management Agency’s flood maps and coverage requirements. It serves homeowners, renters, and business owners seeking protection against rising water damage. Because many standard homeowners policies do not cover flooding, the firm helps secure separate flood policies before storms or heavy spring rains pose a seasonal threat to local properties.
Pegram & AllCare Insurance Services offers both one-time policy consultations for new property buyers and recurring policy reviews for existing homeowners in the Concord area. The agency focuses on explaining the difference between standard homeowners policies and separate flood coverage, which is not included in typical home insurance. Flood insurance rates are determined by FEMA flood zone maps and the structure’s elevation, so their guidance centers on these factors. Their service runs on a scheduled basis for annual policy renewals and as-needed for claims assistance after a storm.
When seasonal storms threaten Concord, North Carolina, securing proper coverage becomes a critical concern, particularly for homes near flood-prone areas. Madison Insurance Group assists local property owners by navigating the details of flood insurance policies, including those required by lenders. This flood insurance agent provides clear consultations to help clients understand the specific risks related to their property’s location and elevation. The process begins with a thorough review of the home’s situation during a scheduled initial assessment, where the agent evaluates the property and discusses coverage options.
HighStreet Moulton Insurance Group serves Concord homeowners seeking flood coverage to protect against water damage. The agency also provides commercial flood insurance policies for local businesses and property managers. Their service area includes Concord and the surrounding region in Cabarrus County. Clients can schedule an initial consultation to review existing policies or discuss new needs. The office maintains contact for follow-up questions and coordinates repeat service between regular annual reviews to adjust coverage as conditions change.
Insurance Concord provides property insurance solutions for clients in Concord, North Carolina. This agency specializes in flood insurance, helping residential and commercial property owners obtain coverage to protect against water damage from rising waters. The policies address a range of structures, ensuring appropriate limits are in place for the specific risk level of a given location. The agency serves offices, warehouses, and food service establishments, tailoring flood protection options to the unique operational needs and physical footprints of each commercial sector.
What Does a a Flood Insurance Agent in Concord Cost?
Typical flood insurance costs in North Carolina range from about $700 to $2,000 per year for a standard NFIP policy, depending on flood zone, property value, and elevation. Private market policies can be higher or lower. Costs vary significantly by case. This is general information, not insurance advice.
About flood insurance agents in Concord
Flood insurance agents in Concord, North Carolina help homeowners and businesses secure coverage through the National Flood Insurance Program and private insurers. North Carolina law requires lenders to mandate flood insurance for properties in high-risk flood zones. Concord residents near the Rocky River or other flood-prone areas should work with a local agent to understand their specific risk and coverage options.
Frequently Asked Questions
Do I need flood insurance in Concord North Carolina?
If your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage, you are required to carry flood insurance. Even outside high-risk zones, flooding can occur, and an agent can help you decide if voluntary coverage is right for you.
How do I choose a flood insurance agent in Concord?
Look for an agent licensed in North Carolina who has experience with NFIP policies and private flood insurance. Ask about their knowledge of local flood maps and the claims process. A good agent will explain coverage limits, deductibles, and waiting periods.
What is the waiting period for flood insurance in North Carolina?
Standard NFIP policies have a 30-day waiting period before coverage begins. Private insurers may offer shorter waiting periods. Plan ahead and do not wait until a storm is approaching to buy a policy.
Flood Insurance Agents in Other North Carolina Cities
Apex · Asheboro · Asheville · Burlington · Cary · Chapel Hill · Charlotte · Clayton · Cornelius · Durham · Fayetteville · Fuquay-Varina · Garner · Gastonia · Goldsboro