The top-rated flood insurance agent in Cedar City, Utah is Seth Porter - State Farm Insurance Agent, rated 5.0 stars across 515 reviews. Other highly rated options include Dixie Leavitt Agency, Amy Carter - State Farm Insurance Agent, Wahweap Insurance and Financial. This directory lists 20 flood insurance agents serving Cedar City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Seth Porter - State Farm Insurance Agent | 118 W 200 S | (435) 586-4467 |
| 2 | Dixie Leavitt Agency | 115 N Main St | (435) 586-9463 |
| 3 | Amy Carter - State Farm Insurance Agent | 2092 Cross Hollow Rd A | (435) 586-2797 |
| 4 | Wahweap Insurance and Financial | 1233 Sage Dr c | (435) 586-5904 |
| 5 | JRI Insurance | 1233 Sage Dr c | (435) 586-1399 |
| 6 | Leavitt Group Enterprises | 136 W University Blvd | (435) 586-6553 |
| 7 | Landon Eldredge: Financial Professional | 1233 Sage Dr c | (435) 586-5904 |
| 8 | Farmers Insurance - Roger Olcott | 444 S Main St Ste B1 | (435) 586-4600 |
| 9 | Iron Desert Insurance | 2460 UT-56 STE 3 | (435) 267-2040 |
| 10 | Creamer Insurance Inc | 51 E 400 N | (435) 586-4377 |
Seth Porter - State Farm Insurance Agent serves the Cedar City, Utah metro area and offers flood insurance coverage for local homeowners and renters. Flood damage from heavy rainfall or snowmelt can affect properties throughout the region, and this agency helps clients secure appropriate policies to protect their structures and belongings. Policies are tailored to individual risk levels and property types available in this zone. This agent handles both residential flood insurance and commercial flood insurance for small businesses in the region.
Dixie Leavitt Agency provides flood insurance services and policy adjustments for properties in the Cedar City area. It assists clients in understanding coverage options and requirements through a straightforward consultation process. The agency works to maintain up-to-date policies for existing customers while guiding new clients through risk assessments. Services extend to single-family homes, apartments, retail, and restaurants, ensuring various property types receive appropriate flood protection.
Homeowners, businesses, and property managers in Cedar City, Utah, can consult Amy Carter’s State Farm Insurance agency for flood insurance coverage. The agency assists clients in understanding their flood risk and selecting policies that meet local requirements. It works with landlords protecting rental properties and homeowners guarding against seasonal flooding. Customized consultations help determine appropriate coverage levels. The agency also serves residents and commercial property owners in the neighboring community of Enoch and throughout the greater Cedar City metropolitan area.
Wahweap Insurance and Financial, located in Cedar City, UT, distinguishes between offering a single flood insurance policy for a specific event and establishing an ongoing service relationship to manage annual renewal and coverage updates. Their services help property owners secure protection against flood damage as required by mortgage lenders or for personal risk management. Coverage options are explained based on federal flood maps and local catchment area risks, ensuring clients understand their exposure. Service runs on a one-time, scheduled, or as-needed basis depending on client preference.
JRI Insurance provides flood insurance coverage in Cedar City and surrounding Iron County communities, including Enoch, Parowan, and Brian Head. The agency handles policies required by lenders and voluntary protection for homeowners and renters seeking coverage against flood damage. To manage a typical job, it evaluates property flood zone designations, explains available policy limits and deductibles, then assists with completing the required documentation and binding the coverage through the National Flood Insurance Program.
As a dedicated flood insurance agent, Leavitt Group Enterprises offers specialized policy guidance and risk assessment services for properties in Cedar City, UT. Its general service work includes helping homeowners and business owners understand their coverage options for flood damage. This company specifically assists clients with preparing for spring runoff and flash flood events common to the area, ensuring adequate protection against sudden water damage during wet seasons.
Spring flash flooding and summer monsoon storms in Cedar City can create sudden financial risk for homeowners and renters. Landon Eldredge: Financial Professional provides guidance on flood insurance policies that cover structural damage from rising water. Clients learn about National Flood Insurance Program options as well as private market solutions tailored to local flood zones. The process begins with a property risk consultation and an inspection of the home's elevation and drainage conditions.
Farmers Insurance - Roger Olcott assists property owners in Cedar City, UT, with securing coverage for their residential and commercial structures. The agency specializes in flood insurance, helping clients protect against water damage from heavy rains or snowmelt common in the region. It offers tailored policies to meet individual needs, with options for both single-family homes and rental properties. The agent’s work also covers commercial sectors, including offices, warehouses, and food service establishments that require specific risk assessments.
Iron Desert Insurance provides residential flood insurance for properties throughout Cedar City, adapting policies to local weather and floodplain conditions. Commercial flood coverage is also available for businesses needing asset protection. The agency serves Cedar City and surrounding Iron County communities with detailed policy explanations and claims guidance. Clients appreciate the thorough annual policy reviews during renewal periods, and the agency follows up after major weather events to adjust coverage before regular visits resume.
What Does a a Flood Insurance Agent in Cedar City Cost?
Flood insurance costs in Cedar City vary based on flood zone, building elevation, and coverage amount. An NFIP policy for a moderate-risk home might cost between 500 and 1,500 dollars per year, while high-risk properties can exceed 2,500 dollars. Private insurers may offer lower rates for low-risk homes. This is general information, not insurance advice.
About flood insurance agents in Cedar City
Flood insurance agents in Cedar City, Utah help homeowners and businesses secure coverage through the National Flood Insurance Program or private insurers. Cedar City sits near Coal Creek and faces flash flood risks during monsoon season. Utah law does not mandate flood insurance, but lenders often require it for properties in Special Flood Hazard Areas.
Frequently Asked Questions
Do I need flood insurance in Cedar City Utah?
Flood insurance is not required by Utah state law, but your mortgage lender may require it if your property is in a FEMA-designated Special Flood Hazard Area. Even outside high-risk zones, flash floods can occur, so many residents choose coverage for peace of mind.
How do I find a flood insurance agent in Cedar City?
You can search for licensed insurance agents in Cedar City who offer flood policies through the National Flood Insurance Program or private carriers. Check the Utah Insurance Department website to verify an agents license and look for agents who specialize in property insurance.
What does flood insurance cover in Utah?
Standard flood insurance from the NFIP covers building structure and contents up to policy limits, including damage from rising water or flash floods. It does not cover basement improvements or items kept in basements. Private flood policies may offer broader coverage.
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