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Directory of flood insurance agents in Troy, Ohio. Verify credentials with the state department of insurance before hiring.
17 agents listed
Updated May 2026
Troy, 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 17 flood insurance agents in Troy, 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.
Freeman Groves Insurance And Financial Services Inc
2840 S Co Rd 25A, Troy, OH 45373
(937) 348-1763
freemangrovesinsurance.com
Littman-Thomas Agency - Troy Office
210 S Market St suite b, Troy, OH 45373
(937) 339-1525
Heath Murray - State Farm Insurance Agent
725 W Market St, Troy, OH 45373
(937) 335-9600
heathmurray.com
Holobaugh Insurance
2244 OH-718, Troy, OH 45373
(937) 552-9956
holobaughins.com
Carr Insurance Group
115 S Market St, Troy, OH 45373
(937) 335-8914
toddcarrinsurance.com
Carson Halsey: Allstate Insurance
1275 Experiment Farm Rd D, Troy, OH 45373
(937) 332-6942
agents.allstate.com
Koverman Staley Dickerson Insurance
1106 W Main St, Troy, OH 45373
(937) 339-4119
ksdins.com
Lisa Cano - State Farm Insurance Agent
41 S Stanfield Rd A, Troy, OH 45373
(937) 335-3535
troyohioinsurance.com
R J Warner Insurance
23 S Mulberry St, Troy, OH 45373
(937) 335-5166
rjwarner.com
Trojan Insurance Agency
1008 Grant St, Troy, OH 45373
(937) 339-2674
trojaninsuranceagency.com
Troy insurance agency
12 N Mulberry St, Troy, OH 45373
(937) 764-3470
sharlenereph854691.wixsite.com
Pacific Pioneer Insurance Services
210 S Market St, Troy, OH 45373
(614) 344-6308
Pacific Edge Insurance Co.
16 N Cherry St, Troy, OH 45373
(614) 344-6313
Farmers Insurance / Gibbs-Warner Agency
81 Robin Hood Ln ste b, Troy, OH 45373
(937) 440-0400
agents.farmers.com
Shelter Insurance - Erik Lamka
305 Public Sq Ste 3, Troy, OH 45373
(937) 980-9013
shelterinsurance.com
Gavin Glasscoe - Littman Thomas Agency
15 S Cherry St, Troy, OH 45373
(937) 339-1525
littmanthomas.com
Farmers Insurance - Ryan Maher
81 Robin Hood Ln ste b, Troy, OH 45373
(937) 440-0400
agents.farmers.com
Flood insurance agents in Troy Ohio help property owners secure coverage through the National Flood Insurance Program and private insurers. Ohio law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Local agents can explain Troy-specific flood maps and coverage options.
What Does a Flood Insurance Agent in Troy Cost?
Flood insurance costs in Ohio vary by property. For an NFIP policy, annual premiums typically range from 700 to 2,000 dollars for a standard home in a moderate-risk zone, but high-risk properties can exceed 3,000 dollars. Private market rates may be lower or higher depending on the carrier and risk assessment. 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 Troy Ohio?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required. Even outside high-risk zones, agents can recommend optional coverage to protect against flash flooding common in Ohio.
What does a flood insurance agent do in Troy?
An agent helps you assess your flood risk, compare NFIP and private policies, and complete the application. They also assist with elevation certificates and claims guidance after a flood event.
How long does it take to get flood insurance in Ohio?
NFIP policies typically have a 30-day waiting period before coverage begins. Private insurers may offer shorter waits. Agents in Troy can advise on timing and exceptions for flood map changes.
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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.