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Directory of flood insurance agents in Middletown, NY. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Middletown, NY
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 NY before hiring.
Showing 2 flood insurance agents in Middletown, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Evergreen Insurance Agency -Peter Schmidt
690, 4 NY-211 E, Middletown, NY 10941
(845) 673-6127
evergreeninsurance.us
The Misner Insurance Agency, Inc.
610 Route 211 E, Ste 2, Middletown, NY 10941
(845) 434-7755
misneragency.com
Flood insurance agents in Middletown NY help homeowners and businesses secure coverage against flood damage. New York state law requires flood insurance for properties in high-risk zones with federally backed mortgages. Local agents understand the floodplain maps for the Wallkill River and other area waterways.
What Does a Flood Insurance Agent in Middletown Cost?
Flood insurance costs in New York vary by property location elevation and coverage amount. For an NFIP policy in Middletown typical annual premiums range from 700 to 2000 dollars for a standard home. Private market policies may cost more or less depending on risk. 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
What does a flood insurance agent in Middletown do?
A flood insurance agent helps you find and purchase a flood insurance policy from the National Flood Insurance Program or a private insurer. They assess your property risk and explain coverage limits and exclusions.
Is flood insurance required in Middletown NY?
Flood insurance is required if your property is in a high-risk flood zone and you have a federally backed mortgage. Even in low-risk areas, agents often recommend coverage because flooding can happen anywhere.
How long does it take for a flood insurance policy to start?
Standard NFIP policies have a 30-day waiting period before coverage begins. Some private insurers may offer shorter waiting periods. Plan ahead to avoid gaps in protection.
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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 NY.