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Find Flood Insurance Agents Near You in Bristol, TN

Browse flood insurance agents serving Bristol, Tennessee. Updated 2026-07-14.

The top-rated flood insurance agent in Bristol, Tennessee is Darren Lowe - State Farm Insurance Agent, rated 5.0 stars across 532 reviews. Other highly rated options include Mike Adams - State Farm Insurance Agent, Barbara Williams - State Farm Insurance Agent, Jim Embree Insurance. This directory lists 15 flood insurance agents serving Bristol.

Showing 15 flood insurance agents in Bristol, TNListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Darren Lowe - State Farm Insurance Agent2137 Volunteer Pkwy #3(423) 968-9221
2Mike Adams - State Farm Insurance Agent1500 Bluff City Hwy(423) 764-5641
3Barbara Williams - State Farm Insurance Agent2742 W State St #3(423) 323-3640
4Jim Embree Insurance1225 Bluff City Hwy(423) 968-5550
5Shelter Insurance - Justin Horn2344 Volunteer Pkwy(423) 573-8870
6Burnette & Associates Insurance1143 Volunteer Pkwy(423) 968-2047
7Farm Bureau Insurance1430 Volunteer Pkwy #34(423) 274-6380
8Burke, Powers & Harty, Inc.1236 Volunteer Pkwy(423) 764-2112
9The Buddy Crump Insurance Agency Inc2409 Volunteer Pkwy C(423) 764-4191
10Ron Mathews - State Farm Insurance Agent939 Volunteer Pkwy(423) 968-1322
DL
2137 Volunteer Pkwy #3
Darren Lowe - State Farm Insurance Agent
Flood Insurance Agent · Bristol, TN

Darren Lowe - State Farm Insurance Agent serves the Bristol, Tennessee, area and specializes in flood insurance coverage. This agent assists local property owners with understanding their flood risk, often required for homes in designated flood zones. Policies are tailored to protect residential and commercial structures from water damage caused by rising rivers and heavy rainfall common to this region. The agency helps clients complete standard flood insurance applications and reviews existing policies to ensure adequate limits. Specific services handled here include flood loss prevention guidance and FEMA-backed policy enrollment.

MA
1500 Bluff City Hwy
Mike Adams - State Farm Insurance Agent
Flood Insurance Agent · Bristol, TN

Mike Adams - State Farm Insurance Agent in Bristol, TN, provides flood insurance services, including policy consultation, risk assessment, and claims assistance. The agency offers guidance on selecting appropriate coverage limits and deductibles, helping clients understand their National Flood Insurance Program options. Continuing support includes policy reviews and updates as flood zones or property values change. It services a range of properties, from single-family homes and apartments to retail spaces and restaurants.

BW
2742 W State St #3
Barbara Williams - State Farm Insurance Agent
Flood Insurance Agent · Bristol, TN

Barbara Williams - State Farm Insurance Agent in Bristol, TN serves local homeowners, businesses, and property managers in need of flood insurance coverage. The agency assists clients in understanding their flood risk and selecting appropriate policies to protect their structures and belongings from potential water damage. It provides guidance on National Flood Insurance Program options and private market alternatives. The agent also covers surrounding areas in the Bristol metropolitan region, including nearby communities throughout Sullivan County and across the Virginia state line.

JE
1225 Bluff City Hwy
Jim Embree Insurance
Flood Insurance Agent · Bristol, TN

Jim Embree Insurance serves clients in Bristol, Tennessee, and the surrounding communities of Sullivan and Washington counties. The office handles all aspects of flood insurance, from policy selection to claims assistance. They focus on helping property owners understand the risks of living in a floodplain and the specific coverage options available through the National Flood Insurance Program. For a typical job, the agent reviews the property’s flood zone designation and then explains the necessary coverage limits before submitting the paperwork to the chosen provider.

SI
2344 Volunteer Pkwy
Shelter Insurance - Justin Horn
Flood Insurance Agent · Bristol, TN

Shelter Insurance - Justin Horn provides specialized flood insurance guidance and policy services for properties in the Bristol, TN area. The agency assists both homeowners and renters in evaluating their flood risk and securing appropriate National Flood Insurance Program or private coverage. It also offers general property insurance consultation to protect against other common hazards. Seasonal rains and spring thaws frequently heighten the risk of flash flooding from local streams and creeks, making timely policy reviews a practical concern for residents preparing for wet weather.

BA
1143 Volunteer Pkwy
Burnette & Associates Insurance
Flood Insurance Agent · Bristol, TN

Burnette & Associates Insurance in Bristol, TN distinguishes between one-time flood insurance policies and recurring annual plans designed for ongoing property protection. Their coverage typically safeguards residential and commercial structures against rising water damage, as well as personal belongings within the insured building. This local agency focuses on helping clients understand National Flood Insurance Program options and private market alternatives to match individual risk exposure. Service engagements are available on a one-time basis for single property assessments or on a recurring annual schedule for continuous coverage renewal as local flood risks change.

FB
1430 Volunteer Pkwy #34
Farm Bureau Insurance
Flood Insurance Agent · Bristol, TN

Farm Bureau Insurance, based in Bristol, Tennessee, is known for guiding property owners through the complexities of flood insurance. It serves residential and commercial clients needing coverage for flood-prone areas in the region. The agency helps evaluate flood risk and select appropriate policies from the National Flood Insurance Program. Clients can expect assistance with policy applications and claims questions. Adding a specialty service, Farm Bureau Insurance also advises on supplementary coverage for high-value contents often not fully covered by standard flood policies.

BP
1236 Volunteer Pkwy
Burke, Powers & Harty, Inc.
Flood Insurance Agent · Bristol, TN

Spring storms and sudden creek rises in the Bristol area can place homes at risk, and Burke, Powers & Harty, Inc. addresses these local threats as a dedicated flood insurance agent based in Bristol, TN. This agency assists property owners in navigating flood coverage options that respond to the region’s particular weather patterns. Their work focuses on explaining policy details and helping clients secure appropriate protection for their structures. A consultation typically begins with an inspection of the property to assess its flood risk and needs.

BC
2409 Volunteer Pkwy C
The Buddy Crump Insurance Agency Inc
Flood Insurance Agent · Bristol, TN

The Buddy Crump Insurance Agency Inc, based in Bristol, TN, provides general property and casualty insurance solutions. The company additionally specializes in flood insurance agent services, helping clients secure essential coverage against rising water risks common to the region. This work involves advising on flood maps and policy options for residential and commercial properties. The agency can serve a variety of business sectors, including local offices, warehouses, and food service operations seeking tailored risk protection for their specific locations.

RM
939 Volunteer Pkwy
Ron Mathews - State Farm Insurance Agent
Flood Insurance Agent · Bristol, TN

Ron Mathews - State Farm Insurance Agent serves the Bristol, Tennessee, metropolitan area and surrounding communities in Sullivan County. This agency provides flood insurance policies to residential and commercial property owners seeking to protect against water damage from natural events. Navigating flood risk and coverage options can be complex, and the agent assists clients in understanding their needs. The office handles common flood zone consultations and reviews of existing National Flood Insurance Program policies for area homeowners and business operators.

SI
1135 Volunteer Pkwy Ste 15A
Shelter Insurance - Dustin Pannell
Flood Insurance Agent · Bristol, TN
(423) 573-8871
shelterinsurance.com/CA/agent/DPANNELL
WI
1600 6th St Ext
W.I.N. Insurance
Flood Insurance Agent · Bristol, TN
(423) 968-1264
winins.net
HA
200 7th St
Hyde & Associates Insurance
Flood Insurance Agent · Bristol, TN
(423) 652-0026
hyde-associates.com
CI
615 Shelby St
Cuddy Insurance Group (A Trustpoint Company)
Flood Insurance Agent · Bristol, TN
(423) 646-1576
cuddyinsurancegroup.com
HA
1250 Volunteer Pkwy #3
Henson Agency
Flood Insurance Agent · Bristol, TN
(423) 806-2223
hensureit.com

What Does a a Flood Insurance Agent in Bristol Cost?

The cost of flood insurance in Tennessee varies by location, flood zone, and building characteristics. In Bristol, annual premiums for an NFIP policy typically range from 700 to 2,500 dollars for a standard home. Higher-risk properties near waterways may cost more. This is general information and not insurance advice.

About flood insurance agents in Bristol

Flood insurance agents in Bristol Tennessee help property owners secure coverage through the National Flood Insurance Program or private insurers. Tennessee law requires flood insurance for properties in high-risk flood zones if the mortgage is from a federally regulated lender. Local agents understand the specific flood risks along the Holston River and Beaver Creek in the Bristol area.

Frequently Asked Questions

Do I need flood insurance in Bristol Tennessee?

Flood insurance is required for properties in designated Special Flood Hazard Areas if you have a federally backed mortgage. Even outside these zones, agents recommend coverage because flooding can occur from heavy rain or drainage issues.

How long does it take to get a flood insurance policy in Tennessee?

Standard NFIP policies have a 30-day waiting period before coverage begins. Some private insurers may offer shorter waiting periods. Plan ahead and do not wait until a storm is approaching.

What does a flood insurance agent in Bristol do?

An agent helps you assess flood risk, determine the correct coverage amount, and complete the application. They can also explain elevation certificates and how Tennessee building codes affect premiums.

Flood Insurance Agents in Other Tennessee 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.