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Looking for a flood insurance agent in Franklin? Review the directory below to compare your options.
14 agents listed
Updated May 2026
Franklin, IN
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 Indiana before hiring.
Showing 14 flood insurance agents in Franklin, IN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Matt Kwiatkowski - State Farm Insurance Agent
3059 N Morton St Suite A, Franklin, IN 46131
(317) 736-6666
franklinagent.com
Cheryl Halik - State Farm Insurance Agent
948 N Main St, Franklin, IN 46131
(317) 738-2722
halikagency.com
Leugers Insurance Group
42 E Jefferson St Suite B, Franklin, IN 46131
(317) 739-0399
leugersinsurance.com
Campbell Shuck Insurance
2050 Graham Rd, Franklin, IN 46131
(317) 736-8764
campbellshuckins.com
Franklin Insurance
359 N Morton St, Franklin, IN 46131
(317) 736-8277
franklin-insurance.net
Shuck's Financial Services
2050 Graham Rd, Franklin, IN 46131
(317) 736-8764
shucksfinancialservices.com
Paul Humbles Agency Inc American Family Insurance
242 E Jefferson St, Franklin, IN 46131
(317) 738-4446
amfam.com
Indiana Farm Bureau Insurance
99 N Morton St, Franklin, IN 46131
(317) 736-6128
infarmbureau.com
State Guard Insurance Agency IN
151 Holiday Pl, Franklin, IN 46131
(219) 232-6672
EPIC Insurance Midwest
1111 N Main St, Franklin, IN 46131
(317) 736-5522
epicbrokers.com
Mutual Insurance
711 Commerce Dr # B, Franklin, IN 46131
(463) 218-6653
J & S Farmers Agency
1924 Longest Dr, Franklin, IN 46131
(317) 736-6744
figprotects.com
Farmers Insurance - Rodney Snyder
106 W Jefferson St, Franklin, IN 46131
(317) 346-7555
agents.farmers.com
Shelter Insurance - Michael Lock, II
50 W Jefferson St, Franklin, IN 46131
(317) 736-0944
shelterinsurance.com
Flood insurance agents in Franklin, Indiana help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Indiana law does not require flood insurance for all properties, but lenders often mandate it for homes in designated Special Flood Hazard Areas (SFHAs) mapped by FEMA. Working with a local agent ensures you understand Johnson County flood zones and the 30-day waiting period before NFIP policies take effect.
What Does a Flood Insurance Agent in Franklin Cost?
The cost of flood insurance in Indiana varies based on flood zone, property elevation, and coverage amount. For a standard NFIP policy, premiums typically range from 700 to 2,500 per year for homes in moderate-to-low risk zones, while high-risk zones can cost 2,000 to 5,000 or more. Elevation certificates and community rating system discounts may lower premiums. This is general information and 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 in Franklin Indiana?
Flood insurance is not required by Indiana state law for all properties. However, if your home is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will require it. Many properties near the Big Blue River or Youngs Creek may fall into these zones.
How long does it take to get flood insurance in Franklin?
NFIP policies typically have a 30-day waiting period before coverage begins. This means you cannot wait until a storm is forecast to buy a policy. Private flood insurance may offer shorter waiting periods, so ask your agent about options.
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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 Indiana.