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Browse flood insurance agents serving Urbana, Illinois. Contact information and addresses listed below.
8 agents listed
Updated May 2026
Urbana, IL
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 Illinois before hiring.
Showing 8 flood insurance agents in Urbana, IL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Brian Hanson - State Farm Insurance Agent
408 N Race St STE A, Urbana, IL 61801
(217) 344-1900
brianismyguy.com
Freeway Insurance
1112 W University Ave, Urbana, IL 61801
(217) 666-6012
locations.freeway.com
Grant Scofield - State Farm Insurance Agent
1405 E Florida Ave, Urbana, IL 61801
(217) 384-5727
grantscofield.com
Farmers Insurance - Michael Rumsey
1606 Willow View Rd # 1B, Urbana, IL 61802
(217) 363-3030
agents.farmers.com
Sticklen Insurance Agency
3109 Tatman Ct Unit 101, Urbana, IL 61802
(217) 328-1612
stickleninsuranceagency.com
Michael Rudicil: Allstate Insurance
909 N Cunningham Ave, Urbana, IL 61802
(217) 875-4500
agents.allstate.com
Loman-Ray Insurance Group, LLC
2702 Boulder Dr, Urbana, IL 61802
(888) 566-2679
lomanray.com
State Farm Insurance
1405 E Florida Ave A, Urbana, IL 61801
(217) 384-5727
statefarm.com
Flood insurance agents in Urbana, Illinois help property owners secure coverage through the National Flood Insurance Program and private markets. Urbana is located in Champaign County, which participates in the NFIP and requires flood insurance for properties in Special Flood Hazard Areas if you have a federally backed mortgage. Illinois law does not mandate flood insurance for all properties, but agents can guide you on local floodplain maps and elevation certificates.
What Does a Flood Insurance Agent in Urbana Cost?
Flood insurance costs in Urbana vary based on property elevation, flood zone, and coverage amount. An NFIP policy for a single-family home in a low-risk zone may cost around $500 to $1,000 per year. In a high-risk Special Flood Hazard Area, premiums can range from $1,000 to $4,000 or more annually. Private market policies may offer different rates. This is general information, 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 if I live outside the flood zone in Urbana?
You are not legally required to have flood insurance outside a Special Flood Hazard Area. However, heavy rains and drainage issues in Champaign County can still cause flooding. Many agents recommend a Preferred Risk Policy for lower-cost coverage.
What does a flood insurance agent do in Urbana?
A flood insurance agent helps you assess your flood risk, explains NFIP and private policy options, and assists with completing the application and elevation certificate. They also help you understand waiting periods and coverage limits under Illinois law.
How long does it take for flood insurance to start in Illinois?
NFIP policies typically have a 30-day waiting period before coverage begins. Exceptions exist for loan closings or map changes. Private policies may have different terms, so ask your agent about timing.
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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 Illinois.