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Directory of flood insurance agents in North Ridgeville, Ohio. Verify credentials with the state department of insurance before hiring.
9 agents listed
Updated May 2026
North Ridgeville, 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 9 flood insurance agents in North Ridgeville, 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.
Jim Cahlik - State Farm Insurance Agent
36525 Center Ridge Rd, North Ridgeville, OH 44039
(440) 892-8420
jimcahlik.com
KLT Insurance
6480 Pitts Blvd, North Ridgeville, OH 44039
(440) 584-0558
kltinsurance.com
Village Insurance
31674 Center Ridge Rd UNIT 104, North Ridgeville, OH 44039
(440) 871-8400
village.insure
Farmers Insurance - Angel Feliciano
35116 Center Ridge Rd Ste 111, North Ridgeville, OH 44039
(440) 281-9480
agents.farmers.com
Bryner Insurance
37723 Center Ridge Rd, North Ridgeville, OH 44039
(440) 530-4862
State Farm Insurance
39257 Center Ridge Rd, North Ridgeville, OH 44039
(440) 327-4110
statefarm.com
R L Price Insurance Inc
35522 Center Ridge Rd, North Ridgeville, OH 44039
(440) 327-3221
Huntington Insurance
35621 Center Ridge Rd, North Ridgeville, OH 44039
(800) 480-2265
huntington.com
Wisniewski Insurance - Family First Insurance
5387 Barton Rd, North Ridgeville, OH 44039
(440) 334-3410
Flood insurance agents in North Ridgeville Ohio help property owners secure coverage through the National Flood Insurance Program or private insurers. Ohio law requires lenders to mandate flood insurance for properties in high-risk flood zones. Agents guide residents through elevation certificates and flood map determinations specific to Lorain County.
What Does a Flood Insurance Agent in North Ridgeville Cost?
The average annual flood insurance premium in Ohio ranges from 700 to 1,200 dollars for an NFIP policy, though rates can be higher for high-risk properties or older buildings. Private flood insurance may cost 500 to 1,500 dollars per year depending on the flood zone, building value, and deductible. Costs vary significantly by case based on elevation, flood history, and coverage limits. 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 North Ridgeville Ohio?
If your property lies in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, agents often recommend coverage because 25 percent of flood claims come from low-to-moderate risk areas.
How do I choose a flood insurance agent in North Ridgeville?
Look for an agent licensed in Ohio who specializes in flood policies and understands FEMA flood maps for Lorain County. They should explain the difference between NFIP and private flood insurance and help you complete the required elevation certificate.
What is the waiting period for flood insurance in Ohio?
NFIP policies have a 30-day waiting period from the date of application before coverage begins, with few exceptions such as a flood map revision. Private insurers may offer shorter waiting periods, but you should plan ahead to avoid gaps in coverage.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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.