The top-rated flood insurance agent in Florence, Alabama is Farmers Insurance - Mark Holley, rated 4.9 stars across 239 reviews. Other highly rated options include Alfa Insurance - The Oakley Agency, Garrett Batson - State Farm Insurance Agent, B.J. Brewer: Allstate Insurance. This directory lists 19 flood insurance agents serving Florence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Farmers Insurance - Mark Holley | 464 E Tennessee St | (256) 767-5555 |
| 2 | Alfa Insurance - The Oakley Agency | 4731 Chisholm Rd | (256) 754-7100 |
| 3 | Garrett Batson - State Farm Insurance Agent | 659 Cox Creek Pkwy Suite E | (256) 764-2285 |
| 4 | B.J. Brewer: Allstate Insurance | 1705 Darby Dr B | (256) 718-1666 |
| 5 | Hicks & Associates | 1801 N Wood Ave | (256) 766-6000 |
| 6 | Southern States Insurance | 104 S Pine St | (256) 765-0030 |
| 7 | Grier Insurance | 103 E Tennessee St | (256) 766-2222 |
| 8 | Lance Hendrix Agency | 3368 Cloverdale Rd | (256) 320-7446 |
| 9 | Michael Noe - Nationwide Insurance | 115 E Mobile St | (256) 767-4237 |
| 10 | McBride Benefit Solutions | 407 S Court St | (256) 767-2703 |
Farmers Insurance - Mark Holley serves the Florence, Alabama metro area and surrounding Lauderdale County as a flood insurance agent. It assists property owners in obtaining coverage through the National Flood Insurance Program and private markets to protect homes and businesses from water damage. This agency helps clients assess flood risk based on property location and elevation. It specifically handles quoting residential flood policies and processing claims for flood-related losses in this region.
Alfa Insurance - The Oakley Agency in Florence, AL provides a full range of flood insurance services, including policy consultation, risk assessment for flood-prone areas, and assistance with claims processing. The agency offers ongoing support to help clients review and update their coverage as conditions change. It works with single-family homes, apartments, retail spaces, and restaurants requiring flood protection.
Serving Florence, Alabama, and the surrounding Shoals communities, Garrett Batson - State Farm Insurance Agent provides flood insurance policies for residential and commercial properties. It handles assessments of flood risk, coverage options for structures and contents, and federal program compliance. The agency typically begins by reviewing a property’s flood zone map and elevation certificate to tailor a policy that meets the specific protection needs of each client.
B.J. Brewer: Allstate Insurance serves homeowners, businesses, and property managers in Florence, Alabama, who need flood insurance. This agency helps clients in the local area assess their risk of flooding and select appropriate coverage through Allstate. The agent guides clients through the policy application process and explains the terms of their plan. Typical services include reviewing existing coverage for gaps and determining if separate flood policies are necessary for properties near water. The agency also covers clients in the neighboring community of Muscle Shoals.
Hicks & Associates in Florence, AL specializes in securing flood insurance policies for residential and commercial properties, offering dedicated consultation to evaluate flood risk and coverage needs. The agency assists clients in navigating the complexities of National Flood Insurance Program (NFIP) requirements and private market options for this geographically diverse region near the Tennessee River. It provides guidance through the application process and claims support after damage occurs. The company typically helps property owners prepare for spring and early summer flood risks tied to seasonal storms and rising water levels.
Southern States Insurance in Florence, Alabama offers both single-purchase flood policies and ongoing coverage that renews annually. Each option provides protection against rising water damage, typically required by mortgage lenders or sought by homeowners in flood-prone areas. A one-time quote helps establish a baseline premium, while scheduled renewals adjust for changing risk maps and property values. Service appointments for binder review or policy questions run on an as-needed basis, allowing clients to request assistance when specific concerns arise rather than following a fixed calendar.
Grier Insurance of Florence, Alabama assists local homeowners with residential flood insurance policies designed to protect their properties. The agency also offers commercial flood coverage to safeguard businesses operating in the Shoals area. Serving clients throughout northwestern Alabama, the agent ensures that policyholders understand their options for risk management. After a claim is processed or a policy renewal is handled, the office schedules a follow-up discussion to prepare for the next regular coverage review before storm seasons arrive.
Lance Hendrix Agency serves residents of Florence, Alabama, with flood insurance policies designed to protect homes from water damage. The agency also writes commercial coverage for local businesses requiring flood protection. Services extend throughout the Florence area and surrounding communities. Each policy is explained thoroughly so clients understand their specific coverage and risks. The agent provides follow-up consultations before renewal periods and remains available for repeat service between regular annual visits.
Michael Noe - Nationwide Insurance assists property owners with general insurance needs in the Florence, AL area and offers flood insurance as a specialized coverage option. Policies through this agency help protect against water damage from rising waters and severe weather common to this region. The company works with residential and commercial clients alike, and can serve properties that include offices, warehouses, and food service operations.
What Does a a Flood Insurance Agent in Florence Cost?
Flood insurance costs in Alabama vary by flood zone, elevation, and property value. For an NFIP policy in Florence, annual premiums typically range from 700 to 2,500 dollars for a standard home in a high-risk area. Private flood insurance may cost more or less depending on the risk assessment. This is general information, not insurance advice.
About flood insurance agents in Florence
Flood insurance agents in Florence, Alabama help property owners secure coverage through the National Flood Insurance Program or private insurers. Because Florence lies near the Tennessee River and Pickwick Lake, many homes fall in high-risk flood zones. Alabama law requires flood insurance for properties with federally backed mortgages in Special Flood Hazard Areas.
Frequently Asked Questions
Is flood insurance required by law in Florence Alabama?
Alabama law does not require flood insurance for all properties. However, if your home is in a Special Flood Hazard Area and you have a federally backed mortgage, your lender must require flood insurance under the Flood Disaster Protection Act.
What does a flood insurance agent in Florence do?
A flood insurance agent helps you assess your flood risk, choose a policy from the NFIP or a private carrier, and complete the application. They also explain coverage limits, deductibles, and the 30-day waiting period before coverage begins.
How do I find a flood insurance agent near me in Florence?
You can search the NFIP agent locator online or contact local insurance agencies in Florence that offer property and casualty coverage. Ask if they are licensed to sell flood insurance through the NFIP or private markets.