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HomeFlood Insurance AgentsIllinois › Crystal Lake

Find Flood Insurance Agents Near You in Crystal Lake, IL

Browse flood insurance agents serving Crystal Lake, Illinois. Updated 2026-07-14.

The top-rated flood insurance agent in Crystal Lake, Illinois is Jason Styzinski - State Farm Insurance Agent, rated 4.9 stars across 177 reviews. Other highly rated options include Freeway Insurance, Ted Orzehoskie - State Farm Insurance Agent, Mars Insurance Agency. This directory lists 16 flood insurance agents serving Crystal Lake.

Showing 16 flood insurance agents in Crystal Lake, ILListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Jason Styzinski - State Farm Insurance Agent450 State Rte 31 Ste 180(815) 444-0400
2Freeway Insurance372 W Virginia St # 1(779) 225-1068
3Ted Orzehoskie - State Farm Insurance Agent6207 Northwest Hwy(815) 455-5444
4Mars Insurance Agency9 S Virginia Rd(815) 459-0711
5Caterina Flower Insurance850 S McHenry Ave Ste B(224) 333-0749
6Neis Insurance Agency45 N Virginia St(815) 455-6960
7Daniel Arzola State Farm35 Grant St(815) 893-4712
8Bret Grapenthin - State Farm Insurance Agent1520 Carlemont Dr g(815) 477-1999
9Christian Falster: Allstate Insurance145 S Virginia St(815) 459-2600
10Mark Moskal: Allstate Insurance10 Grant St(815) 356-6600
JS
450 State Rte 31 Ste 180
Jason Styzinski - State Farm Insurance Agent
Flood Insurance Agent · Crystal Lake, IL

Jason Styzinski - State Farm Insurance Agent serves the Crystal Lake, Illinois area as a flood insurance agent. The company assists property owners by explaining policy options and navigating coverage requirements for residential and commercial structures in recognized flood zones. Clients can obtain assistance with understanding flood maps and claim procedures. The agency handles specific services like flood policy endorsements and dwelling replacement cost assessments for local homes and businesses.

FI
372 W Virginia St # 1
Freeway Insurance
Flood Insurance Agent · Crystal Lake, IL

Freeway Insurance serves Crystal Lake and McHenry County, Illinois, as a flood insurance agent. It helps property owners understand and obtain coverage for flood-related risks that standard home policies typically exclude. The agency guides clients through policy options from the National Flood Insurance Program and private insurers. It assists with adjusting coverage limits and navigating flood zone requirements for residential and commercial properties in this area. Flood insurance applications and claims support are specific services it handles here.

TO
6207 Northwest Hwy
Ted Orzehoskie - State Farm Insurance Agent
Flood Insurance Agent · Crystal Lake, IL

Ted Orzehoskie - State Farm Insurance Agent in Crystal Lake, IL provides flood insurance services, including policy consultations and coverage assessments for properties in flood-prone zones. It offers regular policy reviews to ensure clients understand their protection levels and any exclusions. The agency also assists with filing claims after flood events and explaining federal flood insurance program requirements. Its typical service areas include single-family homes, apartments, retail businesses, and local restaurants.

MI
9 S Virginia Rd
Mars Insurance Agency
Flood Insurance Agent · Crystal Lake, IL

Mars Insurance Agency serves homeowners, businesses, and property managers in Crystal Lake, Illinois, seeking flood insurance policies to protect their assets from water damage. The agency guides clients through the complexities of flood zone designations, including those for Special Flood Hazard Areas, and explains coverage options for building and contents. Policyholders receive dedicated support for filing claims and understanding their flood risk in the area. Mars Insurance Agency also covers neighboring communities within McHenry County, such as Algonquin and Lake in the Hills.

CF
850 S McHenry Ave Ste B
Caterina Flower Insurance
Flood Insurance Agent · Crystal Lake, IL

Caterina Flower Insurance serves Crystal Lake and the surrounding communities of McHenry County, addressing the area’s need for flood insurance agents. It handles both standard residential policies and commercial flood coverage designed to protect properties from water damage during heavy seasonal rains or snowmelt. The company assists clients in understanding federal flood zone requirements and policy options. For a typical job, it evaluates the property’s flood risk and existing building coverage to recommend an appropriate plan that matches the homeowner’s or business owner’s specific exposure and financial situation.

NI
45 N Virginia St
Neis Insurance Agency
Flood Insurance Agent · Crystal Lake, IL

Neis Insurance Agency in Crystal Lake, IL assists property owners in distinguishing between standard homeowners policies, which typically exclude flood damage, and separate flood insurance that covers rising water events. This distinction is crucial for clients whose properties sit near floodplains or drainage basins. The agency evaluates coverage needs based on local flood zone maps and elevation certificates. Service appointments for consultations and policy adjustments run on a scheduled basis, with additional as-needed support available after major storms or when flood maps are revised.

DA
35 Grant St
Daniel Arzola State Farm
Flood Insurance Agent · Crystal Lake, IL

Daniel Arzola State Farm specializes in flood insurance policies for residential and commercial properties in Crystal Lake, IL. The agency provides personalized guidance to help clients understand coverage options and secure protection against water damage. With the area’s proximity to lakes and frequent heavy rainstorms, flooding can threaten homes and businesses unexpectedly. This agency assists property owners in preparing for spring thaws and summer downpours that may trigger rising water levels.

BG
1520 Carlemont Dr g
Bret Grapenthin - State Farm Insurance Agent
Flood Insurance Agent · Crystal Lake, IL

Heavy spring rains and rapid snowmelt in the Crystal Lake area frequently create flooding concerns for homeowners. Bret Grapenthin, a State Farm Insurance Agent in the city, assists local residents in securing policies that cover damage from rising water, a peril not included in standard homeowners insurance. These plans help protect property and belongings against overflow from lakes, rivers, or storm drains during severe weather. For anyone evaluating their current exposure, the office schedules a personalized risk assessment to review existing coverage limits and discuss available options.

CF
145 S Virginia St
Christian Falster: Allstate Insurance
Flood Insurance Agent · Crystal Lake, IL

Christian Falster: Allstate Insurance in Crystal Lake, IL assists property owners with general risk management and protection strategies. The agency specializes in flood insurance agent services, helping clients secure coverage against water damage risks common to the region. This thorough planning includes tailoring policies to match specific property vulnerabilities. The agency serves a variety of commercial sectors including offices, warehouses, and food service establishments needing reliable flood coverage.

MM
10 Grant St
Mark Moskal: Allstate Insurance
Flood Insurance Agent · Crystal Lake, IL

Mark Moskal: Allstate Insurance offers residential flood insurance coverage to homeowners in the Crystal Lake area. The agency also provides commercial flood policies to protect local business properties. Serving the greater Crystal Lake region, the agency helps property owners understand flood zone risks and policy options. Clients can schedule follow-up consultations after filing a claim or before a renewal to adjust coverage between regular annual reviews.

FI
1540 Carlemont Dr Ste D
Farmers Insurance - Paul Miller
Flood Insurance Agent · Crystal Lake, IL
(815) 893-6504
agents.farmers.com/il/crystal-lake/paul-miller
GI
101 N Main St Unit 17
Goosehead Insurance - Blake Mitroff
Flood Insurance Agent · Crystal Lake, IL
(630) 526-8099
goosehead.com/agents/il/crystal-lake/blake-mitroff
EI
458 W Virginia St
Executive Insurance of IL
Flood Insurance Agent · Crystal Lake, IL
(815) 305-6288
LB
7105 S Virginia Rd #4
Lis Barraza Agency American Family Insurance
Flood Insurance Agent · Crystal Lake, IL
(815) 459-2348
amfam.com/agents/illinois/crystal-lake/lisbet-barraza
MS
835 S Virginia Rd Suite A
Main Street Insurance Services
Flood Insurance Agent · Crystal Lake, IL
(815) 459-7070
mainstreetinsuranceservices.com
AC
Inside Walmart, 1205 State Rte 31
AAA Crystal Lake
Flood Insurance Agent · Crystal Lake, IL
(847) 474-4000
locator.acg.aaa.com/il/crystal-lake/aaa-crystal-lake-walmart

What Does a a Flood Insurance Agent in Crystal Lake Cost?

In Illinois, flood insurance premiums through the NFIP average between 700 and 1000 dollars annually for lower-risk zones, but can exceed 2000 dollars for high-risk areas. Private insurers may offer competitive rates depending on your property's specific flood risk and elevation. Costs also depend on the coverage amount and deductible you choose. This is general information and not insurance advice.

About flood insurance agents in Crystal Lake

Flood insurance agents in Crystal Lake Illinois help property owners secure coverage through the National Flood Insurance Program or private insurers. Illinois law requires flood insurance for properties in Special Flood Hazard Areas if they have a federally backed mortgage. Crystal Lake sits near the Fox River and several lakes, making flood risk assessment an important part of the insurance process.

Frequently Asked Questions

Do I need flood insurance if I live in Crystal Lake Illinois?

If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, you are required to carry flood insurance. Even outside high-risk zones, many homeowners choose coverage because heavy rain and snowmelt can cause flooding.

What does a flood insurance agent do in Crystal Lake?

A flood insurance agent evaluates your property's flood risk based on FEMA flood maps and local drainage patterns. They then help you choose a policy that meets your needs, whether through the NFIP or a private insurer.

Is flood insurance expensive in McHenry County Illinois?

Costs vary based on your property's flood zone elevation and building characteristics. Typical NFIP premiums in Illinois range from 700 to 2000 dollars per year for standard policies. Private market options may offer different rates.

Flood Insurance Agents in Other Illinois 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.