The top-rated flood insurance agent in Denison, Texas is Jake Shockley - State Farm Insurance Agent, rated 5.0 stars across 284 reviews. Other highly rated options include Oden Insurance, Larry Landrum - State Farm Insurance Agent, David Means: Allstate Insurance. This directory lists 15 flood insurance agents serving Denison.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jake Shockley - State Farm Insurance Agent | 5101 Gateway Blvd Suite 107 | (903) 462-0152 |
| 2 | Oden Insurance | 618 W Woodard St | (903) 465-0620 |
| 3 | Larry Landrum - State Farm Insurance Agent | 1100 W Main St | (903) 463-4620 |
| 4 | David Means: Allstate Insurance | 120 S Austin Ave #102 | (903) 463-6751 |
| 5 | Jim McClure - State Farm Insurance Agent | 2220 W Morton St | (903) 465-1103 |
| 6 | Charles Holder Insurance Agency, Inc. | 601 W Main St | (903) 296-3829 |
| 7 | Sandra Phillips - State Farm Insurance Agent | 2521 W Morton St | (903) 463-3740 |
| 8 | Phillips Insurance Agency | 212 W Main St | (903) 465-3167 |
| 9 | Bayless-Hall Insurance Inc | 501 W Woodard St | (903) 465-8383 |
| 10 | Hempkins Insurance | 431 W Crawford St | (903) 463-6251 |
Jake Shockley - State Farm Insurance Agent serves the Denison, Texas area, specializing in flood insurance for residential and commercial properties. Understanding local flood risks is essential for protecting homes and businesses in this region. The agency helps clients navigate flood policy options to safeguard their investments against water damage. It offers personalized consultations to assess individual property needs. Its services include writing new flood policies and processing existing policy renewals for the community.
Oden Insurance provides flood insurance options for properties throughout the Denison, Texas, area. Their service includes helping clients review available policies, explaining flood zone requirements, and assisting with the application process. They support property owners by clarifying coverage details and ensuring adequate protection against potential water damage. The agency offers ongoing policy management to maintain continuous coverage. Oden Insurance serves single-family homes, apartments, retail locations, and restaurants.
Larry Landrum - State Farm Insurance Agent serves homeowners, businesses, and property managers in Denison, Texas, by providing flood insurance policies that help protect structures and personal property from water damage. As a local agent, the agency assists clients in understanding coverage options for both the building and its contents, with policies available even for those not in designated flood zones. The agent also covers the neighboring community of Sherman and the broader Texoma region.
Serving Denison, Texas, and the surrounding communities, David Means: Allstate Insurance handles flood insurance needs for local residents and property owners. The agency addresses protection against water damage from rising waters and severe weather common to the region. Work typically includes assessing property risks, explaining policy coverage limits, and helping clients select appropriate plans. David Means: Allstate Insurance approaches each job by first reviewing the property's flood zone designation to recommend a suitable policy.
Jim McClure - State Farm Insurance Agent in Denison, TX specializes in helping residential and commercial clients secure flood insurance policies. The agency offers guidance on federal flood program options and assists with claims support after water damage. Their general services include reviewing property risk levels and tailoring coverage to local flood zone requirements. With spring storms raising water levels in the region, the agency helps property owners file updated coverage applications before seasonal downpours arrive.
Homeowners in Denison, TX may choose between a one-time flood consultation or an ongoing advisory relationship when working with Charles Holder Insurance Agency, Inc. The agency’s coverage expertise addresses the unique flood risks affecting properties near local waterways and plains. Policies are discussed in terms of federal program guidelines and private market options available to the area. Service meetings are scheduled on an as-needed basis to review changes in property value or flood zone maps.
As seasonal storms and sudden downpours threaten the Denison area, Sandra Phillips - State Farm Insurance Agent addresses the critical need for flood coverage. A standard homeowners policy often excludes flood damage, leaving many residents vulnerable during heavy rains. This agency specializes in assessing individual property risks, explaining how separate flood insurance policies function, and tailoring coverage options to local needs. The process typically begins with a detailed inspection or an initial coverage-needs assessment to determine the property’s specific exposure.
Phillips Insurance Agency helps property owners and businesses in Denison, Texas protect against financial loss from flood damage. As a flood insurance agent, the agency focuses on policies that cover structures and contents from rising water events not included in standard property plans. Flood risk in this area often requires specialized coverage for both residential and commercial buildings. The agency can assist clients securing policies for various commercial sectors, including offices, warehouses, and food service operations.
Bayless-Hall Insurance Inc in Denison, TX provides flood insurance for residential properties, explaining coverage options for homeowners in the area. The agency also handles commercial flood policies for local businesses, serving Denison and the surrounding region. Their agents clarify policy details and help clients assess their flood risk. After a policy is issued, they can assist with claims questions or coverage adjustments between regular visits, ensuring clients have continued support for their flood protection needs.
Hempkins Insurance serves the Denison, Texas area and surrounding communities with flood insurance agent services. Flood insurance agents help property owners assess their risk of water damage from rising waters and storms. They guide clients through the process of selecting coverage options that protect homes and businesses from potential flood losses. Policies often require a detailed evaluation of local flood maps and elevation data. Hempkins Insurance assists clients in comparing policies and managing claims for flood-related property damage in Denison.
What Does a a Flood Insurance Agent in Denison Cost?
Flood insurance costs in Texas vary by flood zone, property value, and coverage amount. For an NFIP policy in Denison, annual premiums often range from 700 to 2,500 dollars for a standard home. Private market policies may cost more or less depending on risk. This is general information and not insurance advice.
About flood insurance agents in Denison
Flood insurance agents in Denison Texas help property owners secure coverage through the National Flood Insurance Program or private insurers. Texas law requires lenders to mandate flood insurance for properties in high-risk flood zones. Denison sits near Lake Texoma and the Red River, making flood risk awareness important for homeowners and businesses.
Frequently Asked Questions
Do I need flood insurance in Denison Texas?
Flood insurance is required by most lenders if your property is in a Special Flood Hazard Area. Even outside high-risk zones, flooding can occur from heavy rain or overflow from Lake Texoma. An agent can review your flood zone and recommend appropriate coverage.
What does a flood insurance agent in Denison do?
A flood insurance agent helps you assess your flood risk, compare NFIP and private policies, and complete the application. They also explain waiting periods and coverage limits under Texas insurance regulations.
How long does it take for flood insurance to start in Texas?
NFIP policies typically have a 30-day waiting period before coverage begins. Some private insurers may offer shorter waiting periods. An agent can advise on timing to ensure you are protected before a storm.
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