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HomeFlood Insurance AgentsAlabama › Opelika

Find Flood Insurance Agents Near You in Opelika, AL

Browse flood insurance agents serving Opelika, Alabama. Updated 2026-07-14.

The top-rated flood insurance agent in Opelika, Alabama is Christie Ray Hill - State Farm Insurance Agent, rated 5.0 stars across 329 reviews. Other highly rated options include Eric McDade - State Farm Insurance Agent, Lauren Bland Bernier - State Farm Insurance Agent, Acceptance Insurance. This directory lists 19 flood insurance agents serving Opelika.

Showing 19 flood insurance agents in Opelika, ALListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Christie Ray Hill - State Farm Insurance Agent7512 AL-51(334) 737-6811
2Eric McDade - State Farm Insurance Agent907 2nd Ave ste a(334) 759-7431
3Lauren Bland Bernier - State Farm Insurance Agent1406 Fitzpatrick Ave(334) 745-3383
4Acceptance Insurance1703 Westend Ct Ste J(334) 698-7007
5Alfa Insurance - Stephanie Graham709 2nd Ave(251) 423-4286
6Bill White - State Farm Insurance Agent401 S 8th St(334) 749-8319
7D. Lane Agency1622 Pepperell Pkwy STE-1(334) 744-5050
8The Brown Insurance Group1707 2nd Ave Ste B(334) 787-9934
9Phil Henderson Ins Agency Inc312 N 24th St(334) 364-0566
10Matt Coffey - State Farm Insurance Agent1819 Pepperell Pkwy Suite 101(334) 749-5777
CR
7512 AL-51
Christie Ray Hill - State Farm Insurance Agent
Flood Insurance Agent · Opelika, AL

Christie Ray Hill - State Farm Insurance Agent serves the Opelika, Alabama, area and the surrounding Lee County region. The agency provides flood insurance policies to protect homes and businesses against water damage from heavy rains and rising waterways. These policies help property owners manage financial risk from flooding events that are not covered by standard homeowners insurance. The office also offers guidance on coverage limits and the mandatory waiting period for new flood policies to take effect.

EM
907 2nd Ave ste a
Eric McDade - State Farm Insurance Agent
Flood Insurance Agent · Opelika, AL

Eric McDade - State Farm Insurance Agent in Opelika, AL, provides a comprehensive range of flood insurance services. The agency helps property owners evaluate their flood risk and select suitable policies to cover structural damage and contents. It assists clients with policy updates. The office serves a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.

LB
1406 Fitzpatrick Ave
Lauren Bland Bernier - State Farm Insurance Agent
Flood Insurance Agent · Opelika, AL

Lauren Bland Bernier - State Farm Insurance Agent serves homeowners, businesses, and property managers in Opelika, Alabama. This flood insurance agent helps clients assess their flood risk and secure coverage to protect properties from water damage. Policies typically address structural repairs and content replacement after flood events. The agency provides guidance on federal flood insurance program options and available endorsements. Its services also extend to nearby Auburn and the greater east Alabama metro area.

AI
1703 Westend Ct Ste J
Acceptance Insurance
Flood Insurance Agent · Opelika, AL

Acceptance Insurance provides flood insurance services for residential and commercial clients in Opelika, Alabama. It helps property owners secure coverage against flood damage and reviews policies for adequate protection. The agent assists with filing claims and adjusting coverage as needs change. Policyholders can receive periodic check-ins to discuss risk changes or coverage updates. This flood insurance agent serves single-family homes, apartments, retail spaces, and restaurants in the local area.

AI
709 2nd Ave
Alfa Insurance - Stephanie Graham
Flood Insurance Agent · Opelika, AL

Alfa Insurance - Stephanie Graham in Opelika, AL offers clients the choice between a one-time flood insurance policy for a single seasonal need or a recurring annual plan for ongoing property protection. Each option provides essential coverage against water damage from rising waters during storms or heavy rainfall. Their service runs on either a one-time single-term basis or through scheduled annual renewals as needed.

BW
401 S 8th St
Bill White - State Farm Insurance Agent
Flood Insurance Agent · Opelika, AL

Serving Opelika and the surrounding communities of Lee County, Bill White - State Farm Insurance Agent handles flood insurance policies designed to protect homes and businesses from water damage. This agency focuses on helping clients understand the necessity of coverage even in areas with moderate flood risk. Recognizing each property's unique elevation and drainage features, the general approach it uses to handle a typical job involves a thorough discussion of policy limits and the specific exclusions that apply to basement or crawlspace flooding.

DL
1622 Pepperell Pkwy STE-1
D. Lane Agency
Flood Insurance Agent · Opelika, AL

The D. Lane Agency specializes in helping homeowners and small businesses secure flood insurance policies tailored to their property’s specific risk level in Opelika, AL. It also assists clients with policy adjustments, coverage questions, and submitting claims after water damage events. As a local flood insurance agent, it guides residents through the complexities of National Flood Insurance Program requirements and private market options alike. As spring rains approach and storm seasons intensify, it ensures property owners are current on coverage before flood zones shift.

BI
1707 2nd Ave Ste B
The Brown Insurance Group
Flood Insurance Agent · Opelika, AL

Spring storms in Opelika often bring flash flooding to low-lying neighborhoods and drainage basins. The Brown Insurance Group helps property owners understand their flood exposure and secure appropriate coverage against rising water damage. As a flood insurance agent, the company guides clients through policy options tied to local flood zone maps and elevation certificates. Residents seeking protection against unpredictable weather or mandatory coverage from a lender can receive an onsite inspection to assess their property's specific flood risk and policy needs.

PH
312 N 24th St
Phil Henderson Ins Agency Inc
Flood Insurance Agent · Opelika, AL

Phil Henderson Ins Agency Inc assists property owners in Opelika, Alabama with general insurance needs, and it specializes in flood insurance as a focused expertise. The agency works to match clients with appropriate coverage from available providers for their specific risk levels and flood zones. Its commercial services extend to offices, warehouses, and food service operations seeking tailored protection for their properties and contents against potential water damage.

MC
1819 Pepperell Pkwy Suite 101
Matt Coffey - State Farm Insurance Agent
Flood Insurance Agent · Opelika, AL

Matt Coffey - State Farm Insurance Agent in Opelika, AL, offers flood insurance for residential properties, tailoring policies to help homeowners protect their structures and belongings. Commercial flood coverage is also available, supporting local businesses facing water-related risks. The agency serves clients throughout Opelika and surrounding areas, focusing on policy reviews that match individual flood zone needs. Customers often return to adjust their coverage as local flood maps change, ensuring ongoing protection between their regular insurance check-ins.

HI
107 18th St
Highpoint Insurance Group
Flood Insurance Agent · Opelika, AL
(334) 741-9979
highpointinsurancegroup.com
BC
507 S 7th St
Byars Cooper Insurance Group
Flood Insurance Agent · Opelika, AL
(334) 741-2017
byarscooper.com
LB
1707 2nd Ave
Lance Brown Allstate Insurance (The Brown Insurance Agency)
Flood Insurance Agent · Opelika, AL
(334) 758-0088
agents.allstate.com/lance-brown-opelika-al.html
SI
211 2nd Ave
Starr Insurance dba Elliott & Associates
Flood Insurance Agent · Opelika, AL
(334) 745-0888
TI
2124 Frederick Rd
TrustCover Insurance
Flood Insurance Agent · Opelika, AL
(256) 991-0230
PS
2115 Interstate Dr
Pro Safe Insurance Agency
Flood Insurance Agent · Opelika, AL
(256) 444-6684
countryfinancial.com/kenny.chase
SI
1819 Westend Ct
Secure Insurance Agency
Flood Insurance Agent · Opelika, AL
(334) 316-9932
SI
211 2nd Ave
Starr Insurance Group LLC
Flood Insurance Agent · Opelika, AL
(334) 745-0888
starrgroupllc.com
IW
216 S 8th St
Insure With A Rose
Flood Insurance Agent · Opelika, AL
(334) 745-6303
insurewitharose.net

What Does a a Flood Insurance Agent in Opelika Cost?

Flood insurance costs in Opelika Alabama typically range from 500 to 3,000 dollars per year for residential properties. Rates depend on your flood zone, property elevation, and coverage amount. Policies in high-risk zones cost more, while lower-risk areas may qualify for preferred rates. This is general information and not insurance advice.

About flood insurance agents in Opelika

Flood insurance agents in Opelika Alabama help homeowners and businesses secure coverage through the National Flood Insurance Program and private insurers. Alabama law requires flood insurance for properties in high-risk flood zones with federally backed mortgages. Local agents understand Opelika flood zones near Saugahatchee Creek and can guide you through the 30-day waiting period for new policies.

Frequently Asked Questions

What does a flood insurance agent in Opelika do?

A flood insurance agent helps you find a policy that meets your needs and complies with Alabama requirements. They review your property location and flood zone to recommend appropriate coverage. Agents also assist with filing claims after a flood event.

Is flood insurance required in Opelika Alabama?

Flood insurance is required for properties in high-risk flood zones if you have a federally backed mortgage. Alabama law does not mandate flood insurance for all properties, but lenders may require it. Even in low-risk areas, many agents recommend coverage due to heavy rainfall risks.

How long does it take to get flood insurance in Opelika?

Most flood insurance policies have a 30-day waiting period before coverage begins. Exceptions exist for properties newly mapped into a high-risk zone or when buying a home with an existing policy. An agent can explain these rules under Alabama and federal guidelines.

Flood Insurance Agents in Other Alabama 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.