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Find Flood Insurance Agents Near You in Carmel, IN

Browse flood insurance agents serving Carmel, Indiana. Updated 2026-07-14.

The top-rated flood insurance agent in Carmel, Indiana is Dean Ballenger Agency Inc, rated 5.0 stars across 610 reviews. Other highly rated options include Hittle Insurance, Adam Jurs State Farm Insurance Agency, Penwell Insurance. This directory lists 20 flood insurance agents serving Carmel.

Showing 20 flood insurance agents in Carmel, INListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Dean Ballenger Agency Inc14767 Oak Rd(317) 867-5433
2Hittle Insurance14801 Market Center Dr Suite 130(317) 895-5555
3Adam Jurs State Farm Insurance Agency718 Adams St # A(317) 844-7243
4Penwell Insurance600 E Carmel Dr Suite 162(317) 559-3022
5BWC Insurance13295 Illinois St # 134(317) 324-1489
6Goosehead Insurance - Ted King13295 Illinois St Suite 302(317) 975-0303
7Binford Insurance600 E Carmel Dr #269(317) 588-3825
8Shepherd Insurance111 Congressional Blvd Suite 200(317) 846-5554
9The DeRoss Insurance Agency1905 S New Market St Suite 265(317) 219-3100
10Hoffman Insurance Strategies580 E Carmel Dr SUITE 301(317) 991-1101
DB
14767 Oak Rd
Dean Ballenger Agency Inc
Flood Insurance Agent · Carmel, IN

Dean Ballenger Agency Inc serves homeowners, businesses, and property managers in Carmel, Indiana, who need reliable flood insurance coverage. The agency helps clients assess their flood risk and select appropriate policies to protect their properties from potential water damage. Its guidance focuses on navigating the complexities of flood insurance requirements for the area. Dean Ballenger Agency Inc also provides its services to residents and commercial clients in the neighboring community of Westfield, ensuring broader coverage across central Hamilton County.

HI
14801 Market Center Dr Suite 130
Hittle Insurance
Flood Insurance Agent · Carmel, IN

Flood season in central Indiana can arrive with little warning, turning spring downpours into expensive property damage. Hittle Insurance in Carmel guides local homeowners and businesses through available flood coverage options that address the unique water risks present across Hamilton County. Their straightforward explanations help clients understand policy details without confusing jargon. The agency coordinates directly with the National Flood Insurance Program to ensure proper documentation meets government requirements. To protect a home or commercial building, a complete property assessment is arranged during the very first consultation.

AJ
718 Adams St # A
Adam Jurs State Farm Insurance Agency
Flood Insurance Agent · Carmel, IN

Adam Jurs State Farm Insurance Agency provides residential flood insurance for homeowners in Carmel, IN, to help protect properties from water damage. The agent also offers commercial coverage for local businesses in the area. Serving the greater Carmel region, the agency assists clients in understanding their flood risk and available policy options before the next storm season. Many customers return for policy reviews and updates during their regular insurance check-ins or following a weather event.

PI
600 E Carmel Dr Suite 162
Penwell Insurance
Flood Insurance Agent · Carmel, IN

Penwell Insurance provides residential flood insurance services in Carmel, Indiana, helping homeowners protect their properties from water damage. The agency also extends commercial coverage to local businesses, ensuring broader community support across the greater Carmel area. Standard policies address risks common to the region. For clients with existing plans, the company offers convenient follow-up service between regular flood insurance renewal visits, such as adjustments to coverage limits after property improvements or policy reviews following changes in flood zone designations.

BI
13295 Illinois St # 134
BWC Insurance
Flood Insurance Agent · Carmel, IN

BWC Insurance in Carmel, Indiana, is known for helping property owners navigate the complexities of flood insurance coverage tailored to local flood zone risks. The agency serves residential and commercial clients across the area, offering policies that align with federal and private market requirements. From initial risk assessment to claims support, they provide complete guidance throughout the insurance process. Clients can also add on coverage for temporary living expenses if a flood forces them from their home.

GI
13295 Illinois St Suite 302
Goosehead Insurance - Ted King
Flood Insurance Agent · Carmel, IN

Goosehead Insurance - Ted King serves the Carmel, Indiana metro area and surrounding communities as a local Flood Insurance Agent. The company assists property owners with understanding flood zone risks and selecting appropriate coverage for residential and commercial structures. Policies are tailored to protect buildings and their contents from water damage caused by storms or rising water. This agent works with the NFIP and private market carriers to find suitable options. Specific services include evaluating flood insurance needs and processing applications for properties in high-risk areas.

BI
600 E Carmel Dr #269
Binford Insurance
Flood Insurance Agent · Carmel, IN

Binford Insurance offers comprehensive flood insurance agent services in Carmel, Indiana, guiding property owners through policy selection and coverage assessment. The company helps clients understand flood zone designations and assists with annual policy reviews to ensure adequate protection. Standard service includes adjusting coverage limits as property values or flood maps change. Binford Insurance works with a variety of commercial and residential properties, including single-family homes, apartments, retail spaces, and restaurants.

SI
111 Congressional Blvd Suite 200
Shepherd Insurance
Flood Insurance Agent · Carmel, IN

With Indiana’s unpredictable spring storms and flash flooding from nearby White River, property owners in Carmel seek reliable protection against water damage. Shepherd Insurance provides flood insurance plans that bridge the gap between standard policies and actual property risk. As a dedicated Flood Insurance Agent, the company helps clients assess federal versus private coverage options for homes and businesses in the region. Coverage consultations begin with a thorough on-site inspection of the property’s elevation and drainage history to determine the most appropriate policy limits.

DI
1905 S New Market St Suite 265
The DeRoss Insurance Agency
Flood Insurance Agent · Carmel, IN

The DeRoss Insurance Agency in Carmel, Indiana, serves homeowners, businesses, and property managers confronting flood exposure risks. This independent agency evaluates specific property locations to help clients navigate National Flood Insurance Program requirements and obtain necessary water damage coverage. Their guidance addresses the unique flooding concerns across Central Indiana communities. The practice also provides these flood insurance services to nearby Zionsville and the greater Indianapolis metropolitan area.

HI
580 E Carmel Dr SUITE 301
Hoffman Insurance Strategies
Flood Insurance Agent · Carmel, IN

Hoffman Insurance Strategies serves Carmel, Indiana, and the surrounding communities, handling flood insurance policies for residential and commercial properties. It addresses the specific risks of flooding in the region by providing coverage options through the National Flood Insurance Program and private insurers. To handle a typical job, the agent begins by evaluating a property’s flood zone designation, then explains available coverage limits and deductibles to match the client’s needs and budget.

SI
13295 Illinois St #307
Steffey Insurance Agency
Flood Insurance Agent · Carmel, IN
(317) 334-3743
steffeyins.com
RO
231 Lark Dr Unit 1
Rain or Shine Insurance
Flood Insurance Agent · Carmel, IN
(317) 601-7472
rainorshineinsurance.com
SI
1717 E 116th St Ste 101
Shelter Insurance - Thomas Pea
Flood Insurance Agent · Carmel, IN
(317) 844-6800
shelterinsurance.com/CA/agent/TOMPEA
MI
11939 N Meridian St
Midwest Insurance Indiana
Flood Insurance Agent · Carmel, IN
(317) 349-7943
FI
110 N Rangeline Rd
Fearrin Insurance
Flood Insurance Agent · Carmel, IN
(317) 846-4275
fearrininsurance.com
SI
301 E Carmel Dr SUITE C500
Sunday Insurance Agency
Flood Insurance Agent · Carmel, IN
(317) 571-5200
sundayins.com
RJ
40 Executive Dr # C
R.J. Rupp Insurance Agency
Flood Insurance Agent · Carmel, IN
(317) 848-7241
rjruppinsurance.com
OI
11590 N Meridian St # 220
Owners Insurance Co
Flood Insurance Agent · Carmel, IN
(317) 574-4900
auto-owners.com
GI
10255 Commerce Dr Suite 212
Goosehead Insurance - Andrew West Agency
Flood Insurance Agent · Carmel, IN
(317) 520-4804
MI
468 Gradle Dr
Mutual Insurance IN
Flood Insurance Agent · Carmel, IN
(317) 207-6490

What Does a a Flood Insurance Agent in Carmel Cost?

Flood insurance costs in Indiana vary based on flood zone property value and coverage amount. NFIP rates are set by FEMA and average around 700 to 1000 dollars per year for a standard policy. Private market premiums can range from 400 to 2000 dollars annually depending on risk factors. Higher risk properties in A or V zones may cost more. This is general information not insurance advice.

About flood insurance agents in Carmel

Flood insurance agents in Carmel Indiana assist homeowners and renters in obtaining coverage through the National Flood Insurance Program or private insurers. Indiana law requires lenders to mandate flood insurance for properties in high-risk flood zones. A local agent can explain the 30-day waiting period for NFIP policies and help you assess your flood risk near the White River or other waterways.

Frequently Asked Questions

Do I need flood insurance in Carmel Indiana?

If your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage you are required to have flood insurance. Even outside high-risk zones coverage is recommended since 20 percent of flood claims come from low to moderate risk areas.

What does a flood insurance agent do in Carmel?

A flood insurance agent evaluates your property flood zone and coverage needs then quotes policies from NFIP and private carriers. They help you understand policy limits deductibles and exclusions such as basement coverage limitations.

How long does it take for flood insurance to start in Indiana?

NFIP policies have a standard 30-day waiting period from the date of application before coverage begins. Exceptions apply for loans closing within 30 days or map revisions. Private policies may have different effective dates so ask your agent.

Flood Insurance Agents in Other Indiana 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.