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Find Flood Insurance Agents Near You in Lorain, OH
Directory of flood insurance agents in Lorain, Ohio. Verify credentials with the state department of insurance before hiring.
15 agents listed
Updated May 2026
Lorain, OH
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 Ohio before hiring.
Showing 15 flood insurance agents in Lorain, OH
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Neil Elkins - State Farm Insurance Agent
1812 Cooper Foster Park Rd, Lorain, OH 44053
(440) 282-2001
neilelkins.com
Nick Perrico, Sr. - State Farm Insurance Agent
6401 S Broadway, Lorain, OH 44053
(440) 233-8501
nickperrico.com
Robert Taylor Insurance (Lorain Office)
2063 N Ridge Rd, Lorain, OH 44055
(440) 277-5191
roberttaylorins.com
Charles Chapman - State Farm Insurance Agent
4340 N Leavitt Rd F, Lorain, OH 44053
(440) 985-1405
charleschapmaninsurance.com
Cathie Halko - State Farm Insurance Agent
1065 N Ridge Rd W, Lorain, OH 44053
(440) 233-6157
coveredbycathie.com
Chris Arnott Agency Inc.
4789 N Leavitt Rd Suite D, Lorain, OH 44053
(440) 723-2991
chrisarnottinsurance.com
Lighthouse Insurance Agency
4789 N Leavitt Rd Suite D, Lorain, OH 44053
(440) 984-3463
lighthouseinsuranceamherst.com
Janasko Insurance
562 Broadway, Lorain, OH 44052
(440) 245-6268
janaskoinsurance.com
The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu)
520 Broadway, Lorain, OH 44052
(440) 776-8900
libertycompany.com
Somers Agency LLC
5311N N Leavitt Rd Ste 100, Lorain, OH 44053
(440) 324-3447
somersagency.com
Masters Insurance Agency
210 W 7th St, Lorain, OH 44052
(440) 244-2253
D J Kwilecki Associates Insurance
211 W 8th St, Lorain, OH 44052
(440) 246-2680
Kelley Agency
5311 N Leavitt Rd, Lorain, OH 44053
(440) 282-8898
Pfister Insurance
112 E 19th St, Lorain, OH 44052
(800) 237-7595
pfisterinsurance.com
EZ Bonds Plus Insurance LLC
713 Broadway, Lorain, OH 44052
(440) 323-6383
ezplusinsurance.com
Lorain Ohio sits along Lake Erie and the Black River making flood insurance an important consideration for many property owners. Ohio law does not require flood insurance but mortgage lenders often mandate it for properties in high risk flood zones. A local flood insurance agent can help you understand your flood risk and find a policy that fits your needs.
What Does a Flood Insurance Agent in Lorain Cost?
The average cost of a flood insurance policy in Ohio is around $700 to $1,200 per year through the NFIP. Premiums depend on your propertys flood zone elevation and coverage amount. Private flood insurance may have different pricing. 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 Lorain Ohio?
Flood insurance is not required by Ohio state law. However if your property is in a Special Flood Hazard Area your mortgage lender will likely require it. Even outside high risk zones flooding can occur so many homeowners choose to purchase a policy for protection.
How long does it take to get flood insurance in Lorain?
Standard flood insurance policies from the National Flood Insurance Program have a 30 day waiting period before coverage begins. This means you should not wait until a storm is approaching to buy a policy. Some private insurers may offer shorter waiting periods.
What does flood insurance cover in Ohio?
A standard NFIP policy covers structural damage to your building and damage to personal property up to policy limits. It does not cover basement improvements or items stored in a basement. You should discuss specific coverage details with your agent.
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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 Ohio.