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Find Flood Insurance Agents Near You in Troy, OH

Browse flood insurance agents serving Troy, Ohio. Updated 2026-07-14.

The top-rated flood insurance agent in Troy, Ohio is Freeman Groves Insurance And Financial Services Inc, rated 4.9 stars across 208 reviews. Other highly rated options include Littman-Thomas Agency - Troy Office, Heath Murray - State Farm Insurance Agent, Holobaugh Insurance. This directory lists 17 flood insurance agents serving Troy.

Showing 17 flood insurance agents in Troy, OHListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Freeman Groves Insurance And Financial Services Inc2840 S Co Rd 25A(937) 348-1763
2Littman-Thomas Agency - Troy Office210 S Market St suite b(937) 339-1525
3Heath Murray - State Farm Insurance Agent725 W Market St(937) 335-9600
4Holobaugh Insurance2244 OH-718(937) 552-9956
5Carr Insurance Group115 S Market St(937) 335-8914
6Koverman Staley Dickerson Insurance1106 W Main St(937) 339-4119
7Carson Halsey: Allstate Insurance1275 Experiment Farm Rd D(937) 332-6942
8Lisa Cano - State Farm Insurance Agent41 S Stanfield Rd A(937) 335-3535
9Trojan Insurance Agency1008 Grant St(937) 339-2674
10R J Warner Insurance23 S Mulberry St(937) 335-5166
FG
2840 S Co Rd 25A
Freeman Groves Insurance And Financial Services Inc
Flood Insurance Agent · Troy, OH

Freeman Groves Insurance And Financial Services Inc serves the Troy, Ohio metro area and Miami County as a flood insurance agent. The company focuses on helping property owners understand and manage flood risk in this region. Freeman Groves assists clients in securing appropriate flood insurance policies for residential or commercial properties. The agency handles policy selection and coverage adjustments for local flood zone requirements.

LT
210 S Market St suite b
Littman-Thomas Agency - Troy Office
Flood Insurance Agent · Troy, OH

Littman-Thomas Agency - Troy Office provides flood insurance policies and risk assessments for properties in flood-prone areas. It offers annual policy reviews to ensure coverage aligns with current flood zone maps and community rating system updates. Clients can schedule appointments to discuss policy options or file claims directly with the agent. The agency serves single-family homes, apartments, retail spaces, and restaurants throughout the Troy, Ohio region.

HM
725 W Market St
Heath Murray - State Farm Insurance Agent
Flood Insurance Agent · Troy, OH

Heath Murray - State Farm Insurance Agent in Troy, OH, serves homeowners, businesses, and property managers by offering flood insurance policies that help protect against water damage from storms and overflowing rivers. These essential plans cover structure repairs and contents replacement for sudden flood events typical in the region. The agency also provides personalized risk assessments to determine appropriate coverage limits. Additionally, Heath Murray’s agency assists clients in nearby Piqua with securing reliable flood protection.

HI
2244 OH-718
Holobaugh Insurance
Flood Insurance Agent · Troy, OH

Holobaugh Insurance serves Troy, Ohio, and the surrounding communities in Miami County with flood insurance coverage. It handles policies that protect residential and commercial properties from flood damage, addressing risks common to local waterways and heavy rainfall events. To manage a typical request, the agency begins by assessing the property’s flood zone and specific exposure, then matches the client with a plan that meets both federal requirements and the property’s needs.

CI
115 S Market St
Carr Insurance Group
Flood Insurance Agent · Troy, OH

Carr Insurance Group in Troy, OH serves clients either through a single policy purchase for a specific property or through an ongoing service relationship that reviews and adjusts coverage as needs evolve. As a flood insurance agent, the company assists residents and businesses in securing policies that address the unique flood risks of the region, helping protect structures and contents from water damage. Their service runs on an as-needed basis, initiated when a client requests a quote, files a claim, or seeks to update an existing policy.

KS
1106 W Main St
Koverman Staley Dickerson Insurance
Flood Insurance Agent · Troy, OH

When heavy seasonal rains or spring thaws threaten the Miami Valley, the need for reliable flood insurance becomes critical. Koverman Staley Dickerson Insurance in Troy, OH helps homeowners and businesses in flood-prone areas assess their exposure and secure appropriate policies. The agency focuses on understanding local flood maps and the specific risks to properties near the Great Miami River. An initial consultation typically includes a review of the property’s elevation and a discussion of the standard 30-day waiting period before coverage begins, followed by a scheduled inspection of the premises.

CH
1275 Experiment Farm Rd D
Carson Halsey: Allstate Insurance
Flood Insurance Agent · Troy, OH

Carson Halsey: Allstate Insurance in Troy, OH, provides flood insurance agent services, specializing in assessing local flood zone risks and securing appropriate policies for properties. It assists homeowners and businesses in understanding their coverage needs and navigating the details of National Flood Insurance Program options. The agency helps clients respond to shifting floodplain maps and rising water concerns that become especially pressing during spring thaws and heavy seasonal storms.

LC
41 S Stanfield Rd A
Lisa Cano - State Farm Insurance Agent
Flood Insurance Agent · Troy, OH

As a flood insurance agent, Lisa Cano in Troy, OH helps local property owners secure coverage that protects against water damage from rising waters. This agency specializes in policies beyond standard homeowners insurance, filling critical gaps for buildings in flood-prone areas. Clients seeking financial safeguards for natural flood events can obtain tailored plans here. Services extend to commercial sectors, including offices, warehouses, and food service operations, ensuring business continuity against weather-related claims.

TI
1008 Grant St
Trojan Insurance Agency
Flood Insurance Agent · Troy, OH

Trojan Insurance Agency, located in Troy, OH, is a flood insurance agent serving residential and commercial property owners in the region. Coverage is designed to protect structures and contents against rising water from storms, heavy rainfall, and overflowing waterways common in the area. The agency works with clients to find appropriate policies that meet local flood zone requirements, which may be necessary for mortgage and financial protection. For an additional service, it can help homeowners in higher-risk areas secure excess flood coverage above standard policy limits.

RJ
23 S Mulberry St
R J Warner Insurance
Flood Insurance Agent · Troy, OH

Residents in Troy, OH turn to R J Warner Insurance for professional guidance on flood insurance to protect their homes. The agency also offers commercial flood coverage, serving the local area with customized policy analysis. They help clients understand flood risk and available coverage options before open enrollment periods. By making claim assistance and policy reviews a standard part of follow-up service, they ensure clients are prepared for ongoing protection between regular visits.

TI
12 N Mulberry St
Troy insurance agency
Flood Insurance Agent · Troy, OH
(937) 764-3470
sharlenereph854691.wixsite.com/troy-insurance-agenc
PP
210 S Market St
Pacific Pioneer Insurance Services
Flood Insurance Agent · Troy, OH
(614) 344-6308
PE
16 N Cherry St
Pacific Edge Insurance Co.
Flood Insurance Agent · Troy, OH
(614) 344-6313
FI
81 Robin Hood Ln ste b
Farmers Insurance / Gibbs-Warner Agency
Flood Insurance Agent · Troy, OH
(937) 440-0400
agents.farmers.com/oh/troy/vicky-warner
SI
305 Public Sq Ste 3
Shelter Insurance - Erik Lamka
Flood Insurance Agent · Troy, OH
(937) 980-9013
shelterinsurance.com/CA/agent/ELAMKA
GG
15 S Cherry St
Gavin Glasscoe - Littman Thomas Agency
Flood Insurance Agent · Troy, OH
(937) 339-1525
littmanthomas.com/troy-ohio-insurance
FI
81 Robin Hood Ln ste b
Farmers Insurance - Ryan Maher
Flood Insurance Agent · Troy, OH
(937) 440-0400
agents.farmers.com/oh/troy/ryan-maher

What Does a 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.

About flood insurance agents in Troy

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.

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.

Flood Insurance Agents in Other Ohio Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each flood insurance agent's credentials and current standing with your state Department of Insurance.