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Looking for a flood insurance agent in Daphne? Review the directory below to compare your options.
16 agents listed
Updated May 2026
Daphne, AL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Alabama before hiring.
Showing 16 flood insurance agents in Daphne, AL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Josh Lankford - State Farm Insurance Agent
1410 US-98 Ste G, Daphne, AL 36526
(251) 422-8313
daphnesf.com
Eversure Insurance
25833 State Hwy 181, Daphne, AL 36526
(251) 626-8900
geteversure.com
Elaine Bui: Allstate Insurance
29640 State Hwy 181 Ste 102, Daphne, AL 36526
(251) 283-6445
agents.allstate.com
Thomas, Harrison & Associates Insurance Agency
26436 Kensington Pl, Daphne, AL 36526
(251) 621-2180
thahelps.com
Acceptance Insurance
27955 US-98 Suite J, Daphne, AL 36526
(251) 494-7074
locations.acceptance.com
Freeway Insurance
28841 US-98 b, Daphne, AL 36526
(251) 299-7003
locations.freeway.com
Walker Insurance Agency
1203 US-98 Suite 2B1, Daphne, AL 36526
(251) 422-9959
walkerins.biz
Stillman Insurance Group
810 Manci Ave Suite 5, Daphne, AL 36526
(251) 929-8434
stillmanig.com
Gorowsky Insurance, LLC. Home, Auto, Business Insurance
27154-A Pollard Rd, Daphne, AL 36526
(251) 367-2599
gorowskyinsurance.com
Southern Coastal Insurance
809-A Daphne Ave, Daphne, AL 36526
(251) 621-1822
southerncoastalinsurance.com
South Shore Insurance Underwriters
26179 Capital Dr A, Daphne, AL 36526
(251) 923-4474
ssiuw.com
C. A. Luckie Insurance
26030 Capital Dr Suite A, Daphne, AL 36526
(251) 279-9123
luckieins.com
Align Insurance Group
29000 US-98 Bldg C-201, Daphne, AL 36526
(251) 929-9011
aligninsurancegroup.com
Alfa Insurance
30941 Mill Ln e, Daphne, AL 36526
(251) 625-6585
alfainsurance.com
Booth-Alberstadt Insurance Agency
331 Grays Ln, Daphne, AL 36526
(866) 228-3163
Beacon Insurance Services, Inc.
2210 Main St H, Daphne, AL 36526
(251) 829-8033
beaconinsuranceservices.net
Flood insurance agents in Daphne, Alabama help property owners secure coverage through the National Flood Insurance Program or private insurers. Daphne is in Baldwin County, where many homes are in Special Flood Hazard Areas, making flood insurance often required by mortgage lenders. Alabama law does not mandate flood insurance for all properties, but agents can explain local flood zone maps and policy options.
What Does a Flood Insurance Agent in Daphne Cost?
Typical costs for flood insurance in Daphne, Alabama depend on factors like flood zone, building elevation, and coverage limits. NFIP policies average between 700 and 2,500 dollars per year for standard residential coverage. Properties in high-risk areas such as Zone AE or VE may see higher premiums. Private insurers sometimes offer lower rates for lower-risk properties. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance in Daphne Alabama?
Flood insurance is not required by Alabama state law, but it is often required by mortgage lenders if your property is in a FEMA-designated Special Flood Hazard Area. Many Daphne properties near Mobile Bay are in high-risk zones, so checking your flood map is important.
What does a flood insurance agent do in Daphne?
A flood insurance agent helps you assess your flood risk, compare NFIP and private policies, and complete the application. They can also explain coverage limits, deductibles, and the 30-day waiting period before most NFIP policies take effect.
How much does flood insurance cost in Daphne Alabama?
Costs vary based on your property's flood zone, elevation, and coverage amount. In Daphne, annual premiums for NFIP policies typically range from 700 to 2,500 dollars, but higher-risk homes may cost more. Private market options may offer different rates.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Alabama.