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HomeFlood Insurance AgentsVirginia › Lynchburg

Find Flood Insurance Agents Near You in Lynchburg, VA

Browse flood insurance agents serving Lynchburg, Virginia. Updated 2026-07-14.

The top-rated flood insurance agent in Lynchburg, Virginia is Cothran Schoonover Insurance, rated 5.0 stars across 147 reviews. Other highly rated options include Hedges Insurance Agency LLC, Insurance Consultants of Lynchburg, Nelles Insurance Solutions. This directory lists 18 flood insurance agents serving Lynchburg.

Showing 18 flood insurance agents in Lynchburg, VAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Cothran Schoonover Insurance7212 Timberlake Rd(434) 239-2886
2Hedges Insurance Agency LLC22491 Timberlake Rd(434) 237-2021
3Insurance Consultants of Lynchburg22174 Timberlake Rd m(434) 237-5926
4Nelles Insurance Solutions101 Duncraig Dr UNIT 108(434) 832-0332
5Parr Insurance Services- Lynchburg2154-B Wards Rd(434) 528-8100
6Leech & Hicks, Inc. Insurance2504 Langhorne Rd(434) 528-5855
7Taylor Insurance Agencies1840 Graves Mill Rd(434) 385-1664
8Adams Insurance Agency Inc.7708 Timberlake Rd(434) 455-4333
9Andy Mathews Agency2782 Waterlick Rd(434) 534-9004
10Campbell Insurance801 Main St(434) 847-5541
CS
7212 Timberlake Rd
Cothran Schoonover Insurance
Flood Insurance Agent · Lynchburg, VA

Cothran Schoonover Insurance serves the Lynchburg, Virginia metro area as a flood insurance agency. The company guides property owners through the complexities of obtaining flood coverage, an essential step for homes and businesses in flood-prone zones. Because standard homeowners policies do not cover water damage from rising waters, they secure separate policies to fill that gap. They assist with both residential and commercial flood insurance, helping clients from initial application to final policy binding.

HI
22491 Timberlake Rd
Hedges Insurance Agency LLC
Flood Insurance Agent · Lynchburg, VA

Hedges Insurance Agency LLC in Lynchburg, VA provides flood insurance agent services, assisting clients in securing coverage for properties in flood-prone areas. It offers policy evaluations and guidance on appropriate plans. Regular policy reviews are available to ensure adequate protection as circumstances change. The company services a range of property types, including single-family homes, apartments, retail establishments, and restaurants.

IC
22174 Timberlake Rd m
Insurance Consultants of Lynchburg
Flood Insurance Agent · Lynchburg, VA

Insurance Consultants of Lynchburg serves Lynchburg, Virginia, and surrounding communities, handling flood insurance policies for homeowners and businesses. It assists clients in navigating the complexities of floodplain maps and federal requirements. The agency helps secure coverage that protects against water damage from rising waters. To handle a typical job, it begins by reviewing a property’s flood zone designation and then evaluates available policy options to match the specific risk exposure.

NI
101 Duncraig Dr UNIT 108
Nelles Insurance Solutions
Flood Insurance Agent · Lynchburg, VA

Nelles Insurance Solutions helps homeowners, businesses, and property managers in Lynchburg, VA, secure flood coverage to protect against water damage from storms and rising waters. As a dedicated flood insurance agent, the company assists with assessing property risk and navigating policies from the National Flood Insurance Program. The agency also provides coverage guidance for properties in nearby Bedford County and surrounding areas of the greater Lynchburg metro.

PI
2154-B Wards Rd
Parr Insurance Services- Lynchburg
Flood Insurance Agent · Lynchburg, VA

Parr Insurance Services- Lynchburg offers both one-time flood insurance policies for eligible properties and recurring coverage options for homeowners needing ongoing protection. Their services help clients obtain National Flood Insurance Program policies and explore private market alternatives in the Lynchburg area. Understanding that flood risks change with seasons and new zoning maps, they assist with coverage for structures and contents. It is advisable to confirm if flood insurance is required for your property. Service is provided on an as-needed basis, whether for an initial policy setup, a renewal, or a coverage review.

LH
2504 Langhorne Rd
Leech & Hicks, Inc. Insurance
Flood Insurance Agent · Lynchburg, VA

Leech & Hicks, Inc. Insurance in Lynchburg, VA specializes in flood insurance agency services, helping property owners secure coverage against water damage from rising waters. The agency generally manages policy applications, risk assessments, and claims support for residential and commercial clients. Flood insurance is a distinct product often required for homes in designated flood zones. Many local policies become especially important during the spring thaw and heavy rain seasons, when saturated ground significantly increases the chance of flooding in low-lying areas.

TI
1840 Graves Mill Rd
Taylor Insurance Agencies
Flood Insurance Agent · Lynchburg, VA

Taylor Insurance Agencies in Lynchburg, VA provides general property and casualty insurance solutions. It specializes specifically in flood insurance, helping clients secure essential coverage against water damage. The agency assists homeowners and renters with policies designed to meet flood risk needs for residential properties. Its services extend to commercial sectors, offering tailored protection for offices, warehouses, and food service operations.

AI
7708 Timberlake Rd
Adams Insurance Agency Inc.
Flood Insurance Agent · Lynchburg, VA

When spring storms or seasonal deluges threaten Lynchburg properties, Adams Insurance Agency Inc. provides dependable flood insurance guidance. As local flood insurance agents, they offer straightforward assessments of property exposure and necessary coverages. This includes clarifying federal and supplemental policy options for homeowners and businesses. Their independent approach allows them to review specific needs without unnecessary pressure. Clients are encouraged to call ahead for a detailed inspection or initial flood-risk assessment tailored to their particular location.

AM
2782 Waterlick Rd
Andy Mathews Agency
Flood Insurance Agent · Lynchburg, VA

Andy Mathews Agency in Lynchburg, VA provides residential flood insurance coverage for homes and duplexes in the area. Commercial policies are also available for local businesses and rental properties throughout Lynchburg and surrounding communities. Their work helps property owners secure protection against losses from rising water. Clients often return for annual policy reviews or for updated coverage needs following renovations or property changes between regular visits.

CI
801 Main St
Campbell Insurance
Flood Insurance Agent · Lynchburg, VA
MS
2525 Rivermont Ave
Mid-State Insurance Agency
Flood Insurance Agent · Lynchburg, VA
(434) 528-1001
erieinsurance.com/agencies/va/lynchburg/dd2297
SI
6010 Fort Ave
Succor Insurance Lynchburg
Flood Insurance Agent · Lynchburg, VA
(304) 254-6814
BI
2420 Langhorne Rd
Bost Insurance
Flood Insurance Agent · Lynchburg, VA
(434) 846-3274
progressiveagent.com/agents/Virginia/Lynchburg/bost-insurance
PC
105 Tradewynd Dr
Pure Cover Insurance Agency
Flood Insurance Agent · Lynchburg, VA
(434) 922-1665
agents.allstate.com/usa/va/lynchburg
HW
212 11th St
Hundley Wilkins and Bowles
Flood Insurance Agent · Lynchburg, VA
(434) 847-7269
hwbinc.net
GI
102 Hexham Dr Unit B
Goosehead Insurance - The Newhall Agency
Flood Insurance Agent · Lynchburg, VA
(804) 508-6305
goosehead.com/agents/va/lynchburg/michael-newhall
GI
3723 Old Forest Rd
Gardner Insurance Solutions, LLC
Flood Insurance Agent · Lynchburg, VA
(434) 316-5433
jmgardnerinsurance.com
FI
4849 Fort Ave
Farmers Insurance Group - The Mann Agency Lynchburg
Flood Insurance Agent · Lynchburg, VA
(434) 237-4401
agents.farmers.com/va/lynchburg/william-caleb-mann

What Does a a Flood Insurance Agent in Lynchburg Cost?

Flood insurance costs in Virginia depend on the property's flood zone, elevation, and building characteristics. NFIP rates are set by FEMA and average around 700 to 1,000 dollars per year for low-risk zones, while high-risk areas can cost 2,000 to 4,000 dollars annually. Private insurers may offer lower rates for lower-risk properties. This is general information and not insurance advice.

About flood insurance agents in Lynchburg

Flood insurance agents in Lynchburg Virginia help property owners understand their flood risk and secure coverage through the National Flood Insurance Program or private insurers. Virginia law requires lenders to mandate flood insurance for properties in high-risk flood zones. Local agents can guide you through the process of obtaining a flood elevation certificate and choosing the right policy for your home or business.

Frequently Asked Questions

Do I need flood insurance in Lynchburg Virginia?

If your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage, your lender will require flood insurance. Even if not required, many agents recommend coverage because Lynchburg has areas near the James River and its tributaries that can flood.

What does a flood insurance agent in Lynchburg do?

A flood insurance agent helps you determine your flood zone, compares NFIP and private market options, and assists with the application process. They can also advise on the 30-day waiting period for NFIP policies and help you understand Virginia specific requirements like elevation certificate needs.

How much does flood insurance cost in Lynchburg Virginia?

Costs vary based on your flood zone, property elevation, and coverage amount. In Lynchburg, NFIP policies typically range from 700 to 2,500 dollars per year for standard homes. Private flood insurance may be cheaper or more expensive depending on risk. An agent can provide a personalized quote.

Flood Insurance Agents in Other Virginia 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.