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Looking for a flood insurance agent in Manheim? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Manheim, PA
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 Pennsylvania before hiring.
Showing 3 flood insurance agents in Manheim, PA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Baron Insurance Group
26-28 Market Square, Manheim, PA 17545
(717) 665-2985
baroninsurancegroup.com
The Hess Agency
2990 Mount Joy Rd, Manheim, PA 17545
(717) 665-2770
hessagency.com
Tom Sweeney - State Farm Insurance Agent
14 Market Square, Manheim, PA 17545
(717) 664-2500
sfagenttom.com
Flood insurance agents in Manheim Pennsylvania help property owners secure coverage through the National Flood Insurance Program or private insurers. Pennsylvania law does not require flood insurance for most homeowners but mortgage lenders often mandate it for properties in high-risk flood zones. Manheim sits near the Conestoga River and can experience flooding from heavy rain or snowmelt making coverage important for local residents.
What Does a Flood Insurance Agent in Manheim Cost?
The cost of flood insurance in Pennsylvania varies by property location elevation and coverage amount. An NFIP policy in Manheim typically ranges from 700 to 2,500 per year for a standard home. Private flood insurance may cost more or less depending on risk factors. An elevation certificate can lower premiums if your home is built above the base flood elevation. 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 Manheim do?
A flood insurance agent in Manheim helps you assess your flood risk and find a policy that meets your needs. They explain NFIP rules including the 30-day waiting period before coverage begins. They also help you complete the elevation certificate required for accurate pricing.
How do I know if I need flood insurance in Manheim Pennsylvania?
You may need flood insurance if your mortgage lender requires it for a property in a FEMA-designated Special Flood Hazard Area. Even if not required flood insurance is wise for homes near the Conestoga River or in low-lying areas. Pennsylvania experiences frequent flash floods that can damage uninsured properties.
What is the 30-day waiting period for flood insurance in Pennsylvania?
The NFIP requires a 30-day waiting period before a new flood insurance policy takes effect. This means you cannot buy coverage right before a storm. Exceptions exist for loan closings or map changes. Plan ahead to ensure your property is protected.
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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 Pennsylvania.