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HomeFlood Insurance AgentsIndiana › Elkhart

Find Flood Insurance Agents Near You in Elkhart, IN

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

The top-rated flood insurance agent in Elkhart, Indiana is Justin Palmer - State Farm Insurance Agent, rated 4.9 stars across 469 reviews. Other highly rated options include Acceptance Insurance, Weaver Insurance, Carl R Salinas. This directory lists 19 flood insurance agents serving Elkhart.

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

Comparison

Top 10 listings
#NameAddressPhone
1Justin Palmer - State Farm Insurance Agent101 E Hively Ave(574) 970-1113
2Acceptance Insurance138 W Hively Ave Ste 8(574) 633-3035
3Weaver Insurance601 E Bristol St(574) 333-3094
4Carl R Salinas2938 S Main St(574) 970-0312
5Rocky Enfield - State Farm Insurance Agent803 Co Rd 6(574) 264-5755
6McCartney Insurance1100 N Nappanee St(574) 970-3000
7Fawne Atkinson - State Farm Insurance Agent23241 Old U.S. 20(574) 294-4906
8Affordable Insurance Agency INC.3243 Northview Dr(574) 522-8500
9Mike Wain - State Farm Insurance Agent1014 E Bristol St(574) 262-3502
10Acosta Insurance Agency, Inc.3803 S Main St(574) 875-1122
JP
101 E Hively Ave
Justin Palmer - State Farm Insurance Agent
Flood Insurance Agent · Elkhart, IN

Justin Palmer - State Farm Insurance Agent serves the Elkhart, Indiana area, providing coverage specifically for flood-related property damage. Flood insurance is separate from standard homeowners policies and addresses damage from rising water due to storms or overflow. Policies available through this agency help protect residential and commercial property against such risks. For properties in designated flood zones, securing coverage is often required by lenders. This agency assists clients in Elkhart with obtaining flood insurance and managing their existing policies.

AI
138 W Hively Ave Ste 8
Acceptance Insurance
Flood Insurance Agent · Elkhart, IN

Acceptance Insurance serves homeowners, businesses, and property managers in Elkhart, Indiana, offering flood insurance coverage to protect against water damage from heavy rains and rising waterways. Policies are designed to meet federally backed requirements while addressing local flood zone risks. The agency guides clients through coverage options and claims support specific to flood events. It also serves clients in nearby Goshen and the greater Elkhart County area.

WI
601 E Bristol St
Weaver Insurance
Flood Insurance Agent · Elkhart, IN

Weaver Insurance provides flood insurance consultation, policy selection, and claims assistance for properties in Elkhart, IN. Its service approach includes personalized risk assessments to determine appropriate National Flood Insurance Program coverage, followed by annual policy reviews to adjust for changing flood zone maps. Maintenance of coverage involves monitoring renewal deadlines and policy updates. The company serves a range of properties, including single-family homes, apartment complexes, retail storefronts, and local restaurants.

CR
2938 S Main St
Carl R Salinas
Flood Insurance Agent · Elkhart, IN

Carl R Salinas serves Elkhart, Indiana, and the surrounding communities with flood insurance agency services. The company handles flood risk assessments, policies for residential and commercial properties, and claims assistance for clients in flood-prone areas. Each job begins with a thorough evaluation of the property's specific flood zone designation and coverage needs. The approach involves tailoring policy options to match the local landscape and regulatory requirements, ensuring clients understand their deductible structures and waiting periods upfront.

RE
803 Co Rd 6
Rocky Enfield - State Farm Insurance Agent
Flood Insurance Agent · Elkhart, IN

Homeowners, businesses, and property managers in Elkhart, Indiana rely on Rocky Enfield’s State Farm agency for flood insurance coverage tailored to their specific property risks. The agency helps clients understand federal flood zone maps and secure policies that protect structures and contents from water damage. Serving the broader Elkhart metropolitan area, the agency also provides coverage assistance for neighboring communities such as Goshen and downtown Mishawaka.

MI
1100 N Nappanee St
McCartney Insurance
Flood Insurance Agent · Elkhart, IN

McCartney Insurance specializes in structuring flood insurance policies for properties in high-risk zones, including those near the St. Joseph River. It also serves the broader Elkhart area with standard flood coverage options tailored to residential and commercial needs. Each policy is designed to clarify exclusions and coverage limits. The agency particularly assists residents preparing for the spring thaw, when rising water levels from snowmelt and seasonal rain threaten basements and low-lying homes in the region.

FA
23241 Old U.S. 20
Fawne Atkinson - State Farm Insurance Agent
Flood Insurance Agent · Elkhart, IN

Fawne Atkinson - State Farm Insurance Agent in Elkhart, IN provides general insurance coverage to local residents and businesses. Its specialty includes flood insurance policies for properties in flood-prone areas. The agency helps clients understand the importance of securing protection against water damage from rising waters. Flood insurance is often required for homes and commercial buildings located in high-risk zones. In addition to residential needs, the agent serves commercial sectors such as offices, warehouses, and food service establishments.

AI
3243 Northview Dr
Affordable Insurance Agency INC.
Flood Insurance Agent · Elkhart, IN

Affordable Insurance Agency INC. in Elkhart, IN distinguishes between one-time flood insurance policies and recurring annual coverage, helping property owners choose the right protection for their risk level. Its policies safeguard homes and businesses against flood damage, a necessity in this area due to seasonal storms and nearby water sources. The agency provides expert guidance on federal requirements and local flood zone maps. Service is available on an as-needed basis, allowing clients to request policy reviews and updates whenever their situation changes.

MW
1014 E Bristol St
Mike Wain - State Farm Insurance Agent
Flood Insurance Agent · Elkhart, IN

Spring floods in the Elkhart region damage many basements and lower levels each year. Mike Wain - State Farm Insurance Agent assists property owners in securing flood coverage for their homes and businesses. The agency reviews local flood zone maps to explain policy options, including building and contents protection. Because standard homeowners policies do not cover rising water, this agent helps clients understand their risk and the necessary steps to enroll in a National Flood Insurance Program plan. The process begins with a conversation and a property inspection to assess specific needs.

AI
3803 S Main St
Acosta Insurance Agency, Inc.
Flood Insurance Agent · Elkhart, IN
AI
622 S Main St
A-Agency Insurance
Flood Insurance Agent · Elkhart, IN
(574) 522-4455
treeshinsurance.com
IF
322 S Elkhart Ave Suite 200
Indiana Farm Bureau Insurance
Flood Insurance Agent · Elkhart, IN
(574) 295-4488
infarmbureau.com/offices/Elkhart/Elkhart
MH
23492 US-33
Mark Hinds American Family Insurance
Flood Insurance Agent · Elkhart, IN
(574) 875-5723
amfam.com/agents/indiana/elkhart/Mark-Hinds
SI
330 County Rd 6 W Ste 3
Shelter Insurance
Flood Insurance Agent · Elkhart, IN
(574) 262-5088
shelterinsurance.com/CA
SI
123 N Main St
Secured Insurance Services
Flood Insurance Agent · Elkhart, IN
(463) 348-1099
BI
3801 S Main St
Becker Insurance
Flood Insurance Agent · Elkhart, IN
(574) 875-1350
JI
2726 S Main St
Johnson Insurance
Flood Insurance Agent · Elkhart, IN
(574) 293-4796
CI
1237 Johnson St #574
Coaches Insurance Agency
Flood Insurance Agent · Elkhart, IN
(574) 203-0310
coachesinsuranceagency.com
SI
24021 US-33
Shelter Insurance - Ed Wogoman
Flood Insurance Agent · Elkhart, IN
(574) 534-2900
shelterinsurance.com/CA/agent/EDWOGOMAN

What Does a a Flood Insurance Agent in Elkhart Cost?

The average cost of flood insurance in Indiana is about 700 to 1,200 dollars per year for a standard NFIP policy. Premiums depend on the propertys flood zone elevation and building characteristics. Private flood insurance may offer different rates and higher coverage limits. This is general information and not insurance advice.

About flood insurance agents in Elkhart

Flood insurance agents in Elkhart Indiana help residents and business owners secure coverage through the National Flood Insurance Program or private insurers. Indiana law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Local agents understand Elkhart County floodplain maps and can guide you through the 30-day waiting period before most policies take effect.

Frequently Asked Questions

Do I need flood insurance in Elkhart 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 carry flood insurance. Even outside high-risk zones many Elkhart residents choose coverage because heavy rain and snowmelt can cause flooding.

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

Most NFIP policies have a 30-day waiting period after purchase before coverage begins. Exceptions include when flood insurance is required for a new mortgage or when a property is newly mapped into a high-risk zone. Plan ahead to avoid gaps in protection.

What does flood insurance cover in Elkhart Indiana?

Standard flood insurance covers structural damage to the building including foundation walls and electrical systems. It also covers personal belongings up to policy limits. It does not cover damage from sewer backups unless caused directly by flooding.

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.