ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Flood Insurance Agents Near You in McHenry, IL

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

The top-rated flood insurance agent in McHenry, Illinois is Dave Homan - State Farm Insurance Agent, rated 4.8 stars across 131 reviews. Other highly rated options include Ryan P. Conway Agency, LLC, Reese Insurance Group, Roger Beeler - State Farm Insurance Agent. This directory lists 17 flood insurance agents serving McHenry.

Showing 17 flood insurance agents in McHenry, ILListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Dave Homan - State Farm Insurance Agent4929 W Elm St(815) 669-5359
2Ryan P. Conway Agency, LLC3322 W Elm St(815) 344-1600
3Reese Insurance Group805 Front St(815) 385-6541
4Roger Beeler - State Farm Insurance Agent2636 Schaid Ct(815) 669-5319
5John Sutton - State Farm Insurance Agent3424 W Elm St(815) 344-6444
6Mary Trejo - State Farm Insurance Agent1783 N Richmond Rd(779) 704-3020
7Petra Kinnerk American Family Insurance402 Front St Ste A(815) 385-2304
8Bill Colbert - State Farm Insurance Agent339 Front St(815) 385-4080
9State Farm Insurance3425 W Elm St(815) 344-6444
10GEORGE THOMPSON INSURANCE AGENCY, INC.1307 Riverside Dr(815) 385-1066
DH
4929 W Elm St
Dave Homan - State Farm Insurance Agent
Flood Insurance Agent · McHenry, IL

Dave Homan - State Farm Insurance Agent serves the McHenry, Illinois area, providing flood insurance coverage to property owners in this region. The agency helps clients understand the specific flood risks common to nearby waterways and basins. Agent Dave Homan works with homeowners and businesses to find appropriate policies that protect structures and contents from water damage. The office handles both National Flood Insurance Program policies and excess flood coverage for higher-value properties in McHenry County.

RP
3322 W Elm St
Ryan P. Conway Agency, LLC
Flood Insurance Agent · McHenry, IL

Ryan P. Conway Agency, LLC provides flood insurance services to property owners in McHenry, Illinois. It offers assistance with policy applications and coverage assessments for flood-prone areas. The agency helps clients understand the specifics of the National Flood Insurance Program and private market options. It also reviews existing policies to ensure adequate protection against rising water levels. Its service area includes single-family homes, apartments, retail spaces, and local restaurants.

RI
805 Front St
Reese Insurance Group
Flood Insurance Agent · McHenry, IL

Reese Insurance Group serves McHenry, Illinois, and the surrounding communities throughout McHenry County. It handles policies covering flood damage for residential and commercial properties in designated flood zones. The agency works with the National Flood Insurance Program to secure required coverage for property owners and buyers. For a typical job, it reviews property elevation certificates and local flood maps to determine accurate premium rates and suitable coverage limits for the client.

RB
2636 Schaid Ct
Roger Beeler - State Farm Insurance Agent
Flood Insurance Agent · McHenry, IL

Residential homeowners, business owners, and property managers in McHenry, Illinois, can consult Roger Beeler - State Farm Insurance Agent for flood insurance coverage. Flood insurance policies from this agency help protect structures and contents against water damage from rising rivers, heavy rainfall, or storm surge. Agents review property flood risk and guide customers through available coverage options. Claims assistance is provided after a flooding event. Clients in nearby communities along the Fox River, including Johnsburg and Lake in the Hills, also receive flood insurance services through this McHenry-based agency.

JS
3424 W Elm St
John Sutton - State Farm Insurance Agent
Flood Insurance Agent · McHenry, IL

As a local flood insurance agent in McHenry, Illinois, John Sutton - State Farm Insurance Agent provides coverage options designed to protect against water damage from rising waters. Service plans typically include policy reviews to ensure adequate protection as flood maps change. Customized maintenance schedules help clients understand their coverage limits and adjust deductibles for flood insurance needs. This agent services a variety of property types, including single-family homes, apartments, retail businesses, and restaurants throughout the McHenry area.

MT
1783 N Richmond Rd
Mary Trejo - State Farm Insurance Agent
Flood Insurance Agent · McHenry, IL

Mary Trejo - State Farm Insurance Agent in McHenry, IL, advises clients on the distinction between a standard homeowners policy, which typically excludes flood damage, and a separate flood policy that covers such water-related losses. Flood insurance generally safeguards both the structure and its contents against rising water from natural events, which is typically not covered by a one-time claim. Policies are written for a recurring annual term that renews on a scheduled basis.

PK
402 Front St Ste A
Petra Kinnerk American Family Insurance
Flood Insurance Agent · McHenry, IL

Petra Kinnerk American Family Insurance specializes in flood insurance services for residential and commercial properties. The agency guides clients in assessing flood risks and navigating policy options to protect structures and belongings. Serving the McHenry, Illinois, area, it supports both new policyholders and those reviewing existing plans. Recognizing that weather patterns can bring sudden water damage risks during seasonal storms or spring thaws, the agency helps property owners secure appropriate coverage in advance of such events.

BC
339 Front St
Bill Colbert - State Farm Insurance Agent
Flood Insurance Agent · McHenry, IL

As heavy rains and snowmelt often threaten low-lying areas near the Fox River in McHenry, Illinois, Bill Colbert - State Farm Insurance Agent provides essential flood insurance guidance to local homeowners and businesses. Their agency helps residents understand coverage options for protecting properties against water damage that standard policies do not cover. They emphasize the importance of assessing flood risk specific to the region and assist clients in navigating policy details. The process typically begins with scheduling a consultation to review the property’s location and discuss individual coverage needs.

SF
3425 W Elm St
State Farm Insurance
Flood Insurance Agent · McHenry, IL

State Farm Insurance in McHenry, IL provides general property and casualty coverage for residents and businesses, with a specialty in flood insurance agency services. Agents help property owners assess flood risk and secure policies that protect against water damage from storms and overflow events. Their commercial flood insurance offerings serve local offices, warehouses, and food service operations, ensuring business continuity in flood-prone areas along the Fox River and its tributaries.

GT
1307 Riverside Dr
GEORGE THOMPSON INSURANCE AGENCY, INC.
Flood Insurance Agent · McHenry, IL

As a residential flood insurance agent in McHenry, Illinois, this company helps homeowners protect their properties from water damage caused by rising waters and heavy storms. It also offers commercial flood coverage for local businesses, serving clients throughout McHenry and the surrounding areas. Each policy is designed to meet the specific needs of a property, with the agent providing regular guidance on coverage options. Customers often return for annual policy reviews and follow-up consultations between standard service visits.

BZ
5459 Bull Valley Rd
Belcore-Zogman Mary Jo
Flood Insurance Agent · McHenry, IL
(779) 228-4151
allinsurancesavings.com
BR
1500 S Illinois Rte 31 #200
Beth & Rudnicki Insurance Agency, Inc.
Flood Insurance Agent · McHenry, IL
(815) 385-7630
brinsurance.net
GS
5206 W Elm St #102
Greg Saucerman Agency Inc American Family Insurance
Flood Insurance Agent · McHenry, IL
(815) 344-3744
amfam.com/agents/illinois/mchenry/greg-saucerman
LI
4318 W Crystal Lake Rd Suite D
Lowenheim Insurance Agency, LLC
Flood Insurance Agent · McHenry, IL
(815) 385-7831
lowenheiminsurance.com
AI
5459 Bull Valley Rd
All Insurance Services
Flood Insurance Agent · McHenry, IL
(815) 344-2345
allinsurancesavings.com
FI
3509 W Elm St
Farmers Insurance - Michael Podpora
Flood Insurance Agent · McHenry, IL
(815) 363-7505
agents.farmers.com/il/mchenry/michael-podpora
AI
5459 Bull Valley Rd
All Insurance Services Inc: Wallner Jessica
Flood Insurance Agent · McHenry, IL
(815) 344-2345
allinsurancesavings.com

What Does a a Flood Insurance Agent in McHenry Cost?

Flood insurance costs in Illinois vary widely based on the propertys flood zone, elevation, and building characteristics. An NFIP policy for a single-family home in McHenry can range from $700 to $2,500 per year for a standard $250,000 building coverage. High-risk properties may see premiums above $4,000 annually. Private market options may offer different pricing and higher coverage limits. This is general information and not insurance advice.

About flood insurance agents in McHenry

Flood insurance agents in McHenry, Illinois help property owners obtain coverage through the National Flood Insurance Program (NFIP) or private insurers. Illinois law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. McHenry residents near the Fox River or Nippersink Creek may face higher flood risks and need professional guidance to choose the right policy.

Frequently Asked Questions

Do I need flood insurance in McHenry Illinois?

Flood insurance is not required by Illinois state law for all properties. However, if your home is in a high-risk flood zone designated by FEMA and you have a federally backed mortgage, your lender will require it. Even outside high-risk zones, flood insurance is recommended as 20% of flood claims come from low-to-moderate risk areas.

What does a flood insurance agent do in McHenry?

A flood insurance agent helps you assess your flood risk, explains NFIP and private policy options, and assists with completing the required elevation certificate if needed. They can also help you understand waiting periods, coverage limits, and exclusions specific to Illinois flood zones.

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

NFIP policies typically have a 30-day waiting period before coverage begins, except when the policy is required for a mortgage closing. Illinois private insurers may offer shorter waiting periods, but you should plan ahead and not wait until a storm is forecast.

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.