The top-rated flood insurance agent in Manhattan, Kansas is State Farm Insurance: Josh Salmans, rated 4.9 stars across 404 reviews. Other highly rated options include Copeland Insurance Agency, Shelter Insurance - Joe McCarthy, Tim Engle Agency, Inc. American Family Insurance. This directory lists 19 flood insurance agents serving Manhattan.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | State Farm Insurance: Josh Salmans | 511 Leavenworth St | (785) 776-8754 |
| 2 | Copeland Insurance Agency | 601 S 5th St STE B | (785) 776-0089 |
| 3 | Shelter Insurance - Joe McCarthy | 2048 Tuttle Creek Blvd Ste B1 | (785) 537-1122 |
| 4 | Tim Engle Agency, Inc. American Family Insurance | 3320 Anderson Ave | (785) 539-9200 |
| 5 | Kramer Agency & Associates LLC American Family Insurance | 5410 Ledge Stone Dr #110 | (785) 776-4518 |
| 6 | Wild & Associates LLC American Family Insurance | 1601 Poyntz Ave | (785) 560-3004 |
| 7 | Shelter Insurance - Mike Bean | 2308 Anderson Ave | (785) 537-1718 |
| 8 | Brian Green: Allstate Insurance | 3202 Kimball Ave | (785) 465-4276 |
| 9 | Holmes Agency LLC | 422 N Juliette Ave | (785) 539-0225 |
| 10 | Legacy Solutions Insurance LLC | 2401 Seth Child Rd #140 | (785) 789-3441 |
State Farm Insurance: Josh Salmans serves Manhattan, Kansas, and the surrounding Riley County area as a flood insurance agent. This agency helps property owners evaluate their exposure to flood risks and secure appropriate coverage to protect homes and businesses. Flood insurance is essential in this region due to local waterways and weather patterns that can cause water damage. The agency provides consultations on flood zone assessments and assists with submitting NFIP-related applications for residential and commercial properties.
Copeland Insurance Agency in Manhattan, KS offers a full range of flood insurance services, including policy selection, risk assessment, and claims support. Its service plans include annual policy reviews and assistance with updating coverage as flood maps and property values change. The agency serves single-family homes, multi-unit apartment buildings, retail spaces, and local restaurants in the Manhattan area.
Shelter Insurance - Joe McCarthy serves homeowners, businesses, and property managers seeking flood insurance coverage in Manhattan, Kansas. An agent typically works with clients to understand their property’s flood risk, explains policy options from the National Flood Insurance Program, and assists with claims after water damage. Local guidance helps customers evaluate flood zones and make informed decisions about protecting their assets. The office also provides coverage and support to property owners in the nearby Junction City area.
Serving Manhattan, Kansas, and the surrounding communities of Junction City and Wamego, Tim Engle Agency, Inc. American Family Insurance handles flood insurance policies for homeowners and commercial property owners. It helps clients navigate the often complex requirements of flood coverage, protecting local homes and businesses from potential water damage. The agency takes a straightforward approach by first assessing a property's specific flood risk and then explaining available policy options clearly to each customer.
Flood insurance from Kramer Agency & Associates LLC American Family Insurance in Manhattan, KS addresses one-time needs through single-policy purchases or recurring service via annual renewable coverage. Such protection helps property owners manage financial risks from water damage specific to the region. Policies typically cover structure and contents, though separate flood policies differ from standard homeowners plans. This agency offers service on a one-time, scheduled, or as-needed basis to accommodate varying client requirements.
Wild & Associates LLC American Family Insurance offers specialized flood insurance agent services in Manhattan, KS, helping property owners understand and secure coverage for potential water damage. The agency works with clients to assess risk, explain policy options, and navigate the claims process following a loss. Its general work includes reviewing existing policies and coordinating with lenders who require flood protection. As seasonal heavy rains and spring thaws frequently raise water levels along local creeks and rivers, the company assists residents in preparing for flood events before they occur.
With spring rains and melting snow regularly threatening low-lying areas around Manhattan, storm-driven flooding can affect homes near Wildcat Creek. Shelter Insurance - Mike Bean helps local property owners secure coverage designed to protect against such water damage. The agency guides clients through policy options matching their property's specific exposure to flood risks. An agent can visit the home to inspect the lot's drainage patterns and foundation elevation before recommending appropriate coverage levels.
Brian Green Allstate Insurance provides property protection solutions in Manhattan, Kansas, with a focused specialty in flood insurance coverage. The agency helps homeowners and business operators navigate flood zone requirements for properties near rivers or low-lying areas prone to water damage. Policies address risks that standard homeowners insurance often excludes. Commercial clients such as offices, warehouses, and food service establishments can secure tailored flood protection to safeguard their inventory, equipment, and structures from weather-related losses.
Holmes Agency LLC offers flood insurance assistance for residential properties in Manhattan, Kansas. Commercial coverage is also available through this agency, serving the local community and surrounding areas. As flood insurance agents, they help property owners understand policies and obtain necessary protection against water damage. Clients may contact them for initial policy setup or when reviewing existing plans. Follow-up service is provided between regular visits to address changes in coverage needs or to answer questions after a flood event occurs.
Legacy Solutions Insurance LLC is known for guiding Manhattan, Kansas property owners through the complexities of flood insurance. It serves residential and commercial clients throughout the local area who require protection against flood damage. Coverage plans help manage financial risk from rising waters and severe weather events common in this region. Each policy aligns with federal requirements while addressing individual property vulnerabilities. The agency additionally can provide guidance on sewer backup coverage to complete a property's water damage protection plan.
What Does a a Flood Insurance Agent in Manhattan Cost?
In Manhattan, Kansas, annual flood insurance premiums through the NFIP typically range from 700 to 2,500 dollars for a standard home, but costs vary based on flood zone, elevation, and building characteristics. Private market policies may cost 400 to 1,800 dollars annually. Premiums are set by federal or private rating systems, not by the agent. This is general information and not insurance advice.
About flood insurance agents in Manhattan
Flood insurance agents in Manhattan, Kansas help property owners protect against flood damage, which is not covered by standard homeowners policies. Kansas law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Agents can guide you through the National Flood Insurance Program and private market options specific to the Big Blue River area.
Frequently Asked Questions
Is flood insurance required in Manhattan Kansas?
Yes, if your property is in a Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required by federal law. Manhattan follows FEMA flood maps for the Big Blue River and surrounding areas.
What does a flood insurance agent do in Manhattan?
A flood insurance agent helps you assess your flood risk, compare policies from the NFIP and private insurers, and complete the application. They also explain coverage limits, deductibles, and the 30-day waiting period before coverage starts.
How long does it take to get flood insurance in Manhattan?
Standard NFIP policies have a 30-day waiting period after purchase before coverage begins. However, if you are buying a home with a mortgage, you may get coverage at closing. Private insurers may offer shorter waiting periods.
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