The top-rated flood insurance agent in Memphis, Tennessee is Fields Insurance, rated 4.9 stars across 210 reviews. Other highly rated options include Clay & Land Insurance, Inc., Riskbusters Insurance, Crye-Leike Insurance Agency. This directory lists 16 flood insurance agents serving Memphis.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Fields Insurance | 3766 Ridgeway Rd | (901) 465-0011 |
| 2 | Clay & Land Insurance, Inc. | 866 Ridgeway Loop Rd | (901) 767-3600 |
| 3 | Riskbusters Insurance | 5865 Ridgeway Center Pkwy Suite 300 | (901) 767-1890 |
| 4 | Crye-Leike Insurance Agency | 6525 N Quail Hollow Rd #400 | (901) 758-5622 |
| 5 | Larry E. Crum & Associates | 5165 Poplar Ave Suite 100 | (901) 767-2210 |
| 6 | Pete Mitchell & Associates Insurance, Inc. | 4216 Millbranch Rd | (901) 345-6176 |
| 7 | Mutual Insurance Company | 3932 S Perkins Rd | (901) 215-9800 |
| 8 | April Gainer Insurance Agency | 4466 Elvis Presley Blvd # 243 | (901) 398-7200 |
| 9 | Keller Insurance | 4934 William Arnold Rd | (901) 325-1010 |
| 10 | Affordable Insurance Agency | 2964 Ole Bartlett Ct Suite 7 | (901) 358-9880 |
Fields Insurance in Memphis, Tennessee provides residential flood insurance coverage, helping homeowners protect their properties from water damage. The agency also offers commercial flood policies for businesses in the area, serving clients throughout Memphis and the surrounding region. Policies typically align with federal requirements, ensuring compliance for mortgage holders. Fields Insurance encourages clients to contact them for updates or questions between regular scheduled visits, facilitating prompt policy adjustments and renewal reminders.
Clay & Land Insurance, Inc. serves the Memphis, Tennessee area as a flood insurance agent. This company helps property owners navigate the requirements of flood coverage, which is essential in a region prone to seasonal storms and elevated water levels. By assessing local flood zones and individual property risks, the agency assists clients in securing policies that align with regulatory and financial needs. It handles applications for both standard flood insurance policies and excess flood coverage to protect homes and businesses.
Riskbusters Insurance offers complete flood insurance agent services, including policy consultations, risk evaluations, and customized coverage options for the Memphis area. Its service plans include annual policy reviews to ensure adequate protection and assistance with filing claims following flood events. Maintenance plans provide guidance on elevating utilities and securing basements against water intrusion. The company serves a diverse range of properties, including single-family homes, multi-unit apartments, retail storefronts, and local restaurants.
Homeowners, businesses, and property managers in Memphis, TN, turn to Crye-Leike Insurance Agency for guidance on flood insurance policies, including those required by federally designated flood zones. The agency helps clients understand coverage options and navigate the complexities of the National Flood Insurance Program, offering protection against water damage from heavy rains and overflowing rivers. Their services also extend to neighboring communities in Shelby County.
Larry E. Crum & Associates serves the Memphis, Tennessee area and its surrounding communities, handling flood insurance agency needs. It assists homeowners and property owners in evaluating their exposure to flood risks specific to the local region. The company manages the process of securing appropriate coverage by reviewing property location and flood zone data. For a typical job, it begins with a detailed discussion of the property’s history and the client’s concerns, then systematically analyzes available policy options to recommend a tailored solution.
Pete Mitchell & Associates Insurance, Inc. distinguishes between one-time policy consultations and recurring service agreements when helping Memphis property owners assess flood exposure. Coverage advice typically addresses National Flood Insurance Program options and supplemental considerations for residential or commercial structures. The agency explains how local flood zone designations and elevation requirements influence coverage needs. Their service runs on a scheduled basis, with periodic policy reviews recommended to align with changing flood maps and community rating system updates.
Spring storms and flash flooding pose recurring risks for Memphis homeowners, and Mutual Insurance Company works to provide flood insurance coverage tailored to local properties. As an agent specializing in National Flood Insurance Program policies, the company helps clients in Shelby County understand their flood zone ratings and coverage limits. Homeowners seeking protection against water damage for structures and belongings receive guidance on policy options suited to their specific needs. An initial property inspection or flood risk assessment is typically scheduled before a quote can be finalized.
April Gainer Insurance Agency serves property owners and renters in the Memphis, Tennessee, area by securing coverage tailored to local flood risks. It specializes in flood insurance policies that protect residential and commercial structures from water damage. Because flooding can occur outside high-risk zones, the agency helps clients evaluate their exposure and obtain necessary protection. It works within the National Flood Insurance Program system to provide compliant plans. Its commercial sectors include offices, warehouses, and food service establishments.
Keller Insurance provides residential flood insurance services in Memphis, TN, helping homeowners protect their properties from water damage. The agency also offers commercial coverage for businesses in the area, serving clients throughout the broader Memphis region. Their work involves assessing individual flood risks and explaining policy options to ensure adequate protection. After a policy is in place or a claim is handled, the agency follows up to arrange for any necessary adjustments or renewals between regular service visits.
What Does a a Flood Insurance Agent in Memphis Cost?
In Memphis Tennessee flood insurance premiums typically range from 500 to 2,500 dollars per year for NFIP policies depending on flood zone elevation and building characteristics. Private market policies can cost more or less based on risk assessment. Elevation certificates cost 150 to 500 dollars and are often required. This is general information not insurance advice.
About flood insurance agents in Memphis
Flood insurance agents in Memphis Tennessee help property owners secure coverage through the National Flood Insurance Program and private insurers. Tennessee law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Memphis sits near the Mississippi River and Wolf River making flood protection essential for many homes and businesses.
Frequently Asked Questions
Do I need flood insurance in Memphis Tennessee?
If your property lies in a Special Flood Hazard Area and you have a federally backed mortgage you must carry flood insurance. Even outside high-risk zones many lenders require coverage and flooding can occur anywhere in Memphis.
What does a flood insurance agent in Memphis do?
A flood insurance agent helps you assess your flood risk compare NFIP and private policies and complete the required elevation certificate. They also guide you through Tennessee-specific waiting periods and coverage limits.
How long does it take to get flood insurance in Memphis?
NFIP policies have a 30-day waiting period before coverage begins. Private insurers may offer shorter waiting times. You should plan ahead especially during hurricane season from June to November.
Flood Insurance Agents in Other Tennessee Cities
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