The top-rated flood insurance agent in Johnson City, Tennessee is Veritas Insurance, rated 5.0 stars across 556 reviews. Other highly rated options include Widener Insurance Inc, Harold Dishner - State Farm Insurance Agent, Westmoreland Insurance - A Division of Carriage Hill. This directory lists 20 flood insurance agents serving Johnson City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Veritas Insurance | 4451 N Roan St #201 | (423) 292-4142 |
| 2 | Widener Insurance Inc | 607 Baxter St | (423) 926-7151 |
| 3 | Harold Dishner - State Farm Insurance Agent | 1207 N Roan St #1 | (423) 926-6000 |
| 4 | Westmoreland Insurance - A Division of Carriage Hill | 2514 Wesley St #101 | (423) 610-1212 |
| 5 | Jones Insurance Service | 2112 N Roan St #706 | (423) 282-9339 |
| 6 | Farm Bureau Insurance | 2112 W Market St #50 | (423) 672-4060 |
| 7 | C R Gregory Insurance, Inc. | 2726 E Oakland Ave STE 106 | (423) 926-7722 |
| 8 | Highlands Insurance Group | 508 Princeton Rd #104 | (423) 594-0222 |
| 9 | Bass Group Insurance | 902 Sunset Dr #5a | (423) 929-1666 |
| 10 | Shelter Insurance - Freddy Harkleroad | 600 N State of Franklin Rd | (423) 328-0190 |
Veritas Insurance serves the Johnson City, Tennessee metro area as a flood insurance agent. The company helps residents and business owners secure coverage against flood damage, a critical need in this region where seasonal storms and heavy rainfall frequently threaten properties. Their services include assessing individual flood risks based on local flood zone maps and assisting with applications for federally backed policies. They also guide clients on obtaining excess flood coverage for higher-value homes and commercial structures.
Widener Insurance Inc provides professional guidance and policy placement for flood insurance in Johnson City, TN. Its service includes helping property owners assess their flood risk and select appropriate coverage limits based on local flood zone maps. The company offers annual policy reviews to adjust coverage as flood maps change and as property values shift. They service single-family homes, apartments, retail, and restaurants in the Johnson City area.
Harold Dishner - State Farm Insurance Agent in Johnson City, TN, serves homeowners, businesses, and property managers seeking flood insurance protection. The agency helps clients understand flood risk and secure coverage tailored to their properties. Policies address damage from rising water, a frequent concern in this region. The office provides guidance through the entire selection and claims process, ensuring clear communication. Service also extends to neighboring communities such as Jonesborough, allowing more residents and commercial property owners to access flood insurance options in the greater Tri-Cities metro area.
Serving Johnson City and the surrounding Tri-Cities communities, Westmoreland Insurance - A Division of Carriage Hill handles federal flood insurance policies for residential and commercial properties. This agency works with homeowners and business owners to understand elevation risks and coverage requirements specific to the region’s flood zones. They typically begin each project by reviewing a property’s flood map designation, then help clients select appropriate coverage levels and complete the required paperwork for their policy.
Residents of Johnson City, TN choosing flood insurance from Jones Insurance Service can decide between a one-time policy for a single property or scheduled coverage linked to a homeowner’s plan that renews annually. This flood insurance agent provides protection for both the building structure and its contents against rising water damage. Their service runs on an as-needed basis, with agents available to adjust coverage whenever a customer’s property changes or a new flood map is released.
Spring storms in Johnson City often bring sudden flash flooding, making reliable coverage essential for homeowners and businesses alike. Farm Bureau Insurance serves as a Flood Insurance Agent in this area, providing policies tailored to local flood zone risks. The agent assists clients in understanding federal requirements and available protection options for structures and contents. An initial property inspection is scheduled to assess elevation and flood history before finalizing any coverage terms.
C R Gregory Insurance, Inc. specializes in securing flood protection policies for homes and businesses in the Johnson City area. The agency works with clients to assess property flood risks and explain available coverage options from the National Flood Insurance Program. It assists both new buyers and existing property owners in understanding their insurance needs. This service proves especially valuable during the spring thaw and heavy rain seasons, when local waterways are most likely to cause unexpected basement or crawlspace flooding.
As spring rains raise the risk of flash flooding in the Appalachian valleys around Johnson City, property owners turn to Highland Insurance Group for flood insurance policies. The agent reviews the National Flood Insurance Program options and private market alternatives to match each home or business with appropriate coverage that meets mortgage and safety requirements. After reviewing the client’s location and flood zone designation, the agent schedules a property inspection to assess the structure and recommend the next initial assessment step.
Bass Group Insurance provides property and casualty coverage guidance to clients in Johnson City, Tennessee. The agency specializes in locating flood insurance policies, which address damage from rising water often excluded by standard property plans. It helps homeowners, landlords, and business owners understand their exposure to flood risks near local waterways and drainage zones. The agency can write policies for commercial sectors including offices, warehouses, and food service operations.
Shelter Insurance - Freddy Harkleroad provides residential flood insurance for homeowners throughout the Johnson City area. The agency also offers commercial flood coverage for local businesses needing protection against water damage. Serving clients across the region, it helps property owners secure policies suited to their needs. This agent encourages current customers to review their coverage during regular visits or contact the agency for follow-up service before flood season begins.
What Does a a Flood Insurance Agent in Johnson City Cost?
Typical flood insurance costs in Tennessee range from 500 to 2,000 dollars per year for a standard NFIP policy. Rates depend on your property's flood zone elevation and building characteristics. Private market policies may cost more or less. This is general information not insurance advice.
About flood insurance agents in Johnson City
Flood insurance agents in Johnson City Tennessee help property owners protect against flood damage. Tennessee law does not require flood insurance but mortgage lenders often do for homes in high-risk zones. Johnson City sits near the Watauga River and several creeks making flood awareness important for many residents.
Frequently Asked Questions
Do I need flood insurance in Johnson City Tennessee?
Flood insurance is not required by Tennessee state law. However if your home is in a Special Flood Hazard Area your mortgage lender will likely require it. Check the FEMA flood maps for your specific address in Johnson City.
What does a flood insurance agent in Johnson City do?
A flood insurance agent helps you understand your flood risk and find a policy through the National Flood Insurance Program or a private insurer. They can explain coverage limits and help you file a claim after a flood event.
How long does it take for flood insurance to take effect in Tennessee?
Standard NFIP policies have a 30-day waiting period before coverage begins. This applies in Tennessee so plan ahead before a storm is forecast. Some private policies may offer shorter waiting periods.
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