The top-rated flood insurance agent in Durham, North Carolina is Salazar Insurance Agency & Latino Tax Corporation, rated 4.8 stars across 497 reviews. Other highly rated options include Superior Insurance of Durham, Mike Embree Insurance Agency, The Insurance Pros. This directory lists 20 flood insurance agents serving Durham.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Salazar Insurance Agency & Latino Tax Corporation | 1231 University Dr | (919) 797-0135 |
| 2 | Superior Insurance of Durham | 1314 Broad St | (919) 224-8034 |
| 3 | Mike Embree Insurance Agency | 3813 University Dr | (919) 489-7336 |
| 4 | The Insurance Pros | 1210 Cole Mill Rd STE 101 | (919) 294-6613 |
| 5 | All About Insurance - Durham | 2605 Guess Rd | (919) 479-8200 |
| 6 | Bowen Agency, Inc. | 2530 Meridian Pkwy Suite 300 | (919) 929-4222 |
| 7 | Herring & Bickers Insurance | 2344 Operations Dr #101 | (919) 479-9900 |
| 8 | All About Insurance - Durham (University Dr) | 3604 University Dr | (919) 493-2911 |
| 9 | Around The Corner Insurance Agency | 1431 Broad St | (919) 286-9500 |
| 10 | Triangle Insurance Alliance | 2530 Meridian Pkwy Suite 300 | (919) 322-3640 |
Salazar Insurance Agency & Latino Tax Corporation serves Durham, North Carolina, as a flood insurance agent. This agency assists homeowners and renters in securing policies that protect against flood damage, a critical coverage often omitted from standard plans. Professionals at this firm guide clients through risk assessments and policy options tailored to the region’s flood zones. The agency also helps property owners understand federal program requirements and claim procedures. Specific services include evaluating property flood risk and processing applications for National Flood Insurance Program policies.
Superior Insurance of Durham provides flood insurance services to property owners throughout Durham, North Carolina. Its offerings include policy evaluations, risk assessments, and guidance through the application process. The company assists clients with understanding flood zones and coverage options. To maintain continuous protection, it offers annual policy reviews and updates tailored to changing local flood maps and regulations. This service helps clients adjust their plans when necessary. Superior Insurance of Durham serves a range of properties, including single-family homes, apartment complexes, retail locations, and restaurants.
Homeowners, businesses, and property managers in the Durham, NC area turn to Mike Embree Insurance Agency for help securing flood insurance coverage. The agency guides clients through the process of obtaining policies that protect against potential flood damage. This includes assessing individual property risks and explaining the differences between standard homeowners policies and separate flood insurance. Consistent guidance is provided for those looking to safeguard their investments from water-related losses. The agency also serves clients in the Chapel Hill area.
The Insurance Pros serves Durham, North Carolina, and the surrounding communities. The agency handles flood insurance policies for residential and commercial properties. Ongoing guidance is provided to property owners navigating the National Flood Insurance Program. Each client conversation begins with a thorough assessment of the property’s specific flood zone and risk. To handle a typical job, it first analyzes the local flood maps before comparing coverage options to fit the individual property and budget.
All About Insurance - Durham in Durham, NC distinguishes between a one-time flood insurance policy, which covers a single property for a specific term against rising water damage, and a recurring service, which allows for periodic policy reviews to adjust coverage as flood zones or property values change. Their coverage typically protects buildings and contents from surface water inundation. This service operates on an as-needed basis, with policies renewed annually or purchased for individual property transactions.
Located in Durham, North Carolina, Bowen Agency, Inc. specializes in securing flood insurance policies for residential and commercial properties. The agency assists clients in navigating the complexities of flood coverage, helping to identify appropriate protection based on risk exposure. This service is critical for property owners concerned about financial loss from seasonal heavy rains and hurricanes that can overwhelm local drainage systems. The company also provides guidance for claims preparation in the aftermath of such severe weather events, offering practical support during uncertain times.
When spring storms and hurricane season threaten the Triangle’s low-lying neighborhoods, Herring & Bickers Insurance in Durham, NC, helps homeowners navigate the complex requirements of flood coverage. As a dedicated flood insurance agent, the company understands the specific FEMA flood zones and local drainage patterns that affect policy needs. Their service focuses on evaluating individual property risk rather than offering generic plans. A typical first step involves scheduling a thorough on-site inspection to assess a home’s elevation and proximity to flood-prone areas before recommending appropriate coverage options.
All About Insurance - Durham on University Dr assists property owners in securing coverage against flood damage, a growing concern in North Carolina. The agency specializes in flood insurance policies that address risks from storm surge and heavy rainfall. They also help clients evaluate deductibles and coverage limits for residential or commercial properties. Its services support leaseholder requirements and mortgage lender mandates for protection. This office serves a range of commercial sectors, including offices, warehouses, and food service establishments.
Around The Corner Insurance Agency serves residential clients in Durham, North Carolina, offering flood insurance policies. The agency also provides commercial coverage for businesses in the surrounding area, ensuring local property owners are protected from flood damage. Working with standard industry providers, the company helps clients assess their specific risk and select appropriate coverage levels. Customers return for policy reviews and adjustments during regular visits to maintain adequate protection as their needs change.
Triangle Insurance Alliance in Durham, NC, is known for helping property owners secure flood insurance through the National Flood Insurance Program. Its service range covers residential and commercial clients throughout the Triangle area who need protection against rising waters. The agency evaluates each property’s flood zone designation to match coverage with federal requirements and local risks. Flood insurance agents here guide clients through waiting periods and deductible choices common to this region. Its specialty service is coordinating flood coverage with existing homeowners policies for seamless protection.
What Does a a Flood Insurance Agent in Durham Cost?
In Durham North Carolina, flood insurance premiums through the NFIP typically range from 700 to 2,500 dollars per year for a single-family home, depending on flood zone, elevation, and building characteristics. Private market policies may offer different rates and coverage limits. Costs vary by case based on your property's specific risk factors. This is general information and not insurance advice.
About flood insurance agents in Durham
Flood insurance agents in Durham North Carolina help property owners understand their risk and secure coverage through the National Flood Insurance Program or private carriers. North Carolina law requires lenders to mandate flood insurance for properties in high-risk flood zones. A local agent can guide you through flood zone maps and policy options specific to Durham and the surrounding Triangle area.
Frequently Asked Questions
Do I need flood insurance in Durham North Carolina?
If your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage, your lender will require flood insurance. Even outside high-risk zones, flooding can occur, so many homeowners choose coverage for peace of mind.
How do I find a flood insurance agent in Durham?
You can search the North Carolina Department of Insurance website for licensed agents or ask local real estate professionals for referrals. Many independent insurance agencies in Durham offer flood policies from multiple carriers.
What is the waiting period for flood insurance in North Carolina?
Standard NFIP policies have a 30-day waiting period before coverage begins. This applies to most new policies, so it is important to plan ahead and not wait until a storm is forecast.
Flood Insurance Agents in Other North Carolina Cities
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