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HomeFlood Insurance AgentsKentucky › Frankfort

Find Flood Insurance Agents Near You in Frankfort, KY

Browse flood insurance agents serving Frankfort, Kentucky. Updated 2026-07-14.

The top-rated flood insurance agent in Frankfort, Kentucky is Jason Dunn - State Farm Insurance Agent, rated 5.0 stars across 1,082 reviews. Other highly rated options include RB Brown - State Farm Insurance Agent, Steve Woodrum - State Farm Insurance Agent, Erika Hancock - State Farm Insurance Agent. This directory lists 20 flood insurance agents serving Frankfort.

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

Comparison

Top 10 listings
#NameAddressPhone
1Jason Dunn - State Farm Insurance Agent160 Versailles Rd(502) 352-2626
2RB Brown - State Farm Insurance Agent949 Louisville Rd C(502) 875-1301
3Steve Woodrum - State Farm Insurance Agent331 Versailles Rd(502) 695-8888
4Erika Hancock - State Farm Insurance Agent210 Kings Daughters Dr(502) 227-7777
5Bill McCoy Insurance Agency1134 US-127(502) 875-3994
6Sean Shah: Allstate Insurance800 E Main St(502) 875-1999
7Franklin Goins Insurance Agency600 E Main St(502) 875-4270
8Sturm Insurance Agency201 Capital Ave(502) 875-1351
9Kentucky Farm Bureau Insurance1212 Wilkinson Blvd(502) 223-2193
10Shelter Insurance - BJ Hurst103 C Michael Davenport Blvd(502) 352-2721
JD
160 Versailles Rd
Jason Dunn - State Farm Insurance Agent
Flood Insurance Agent · Frankfort, KY

Jason Dunn - State Farm Insurance Agent serves the Frankfort, Kentucky area as a flood insurance agent. This agency helps property owners secure coverage that protects against water damage from rising waters and storms. Many standard homeowners policies do not include this specific protection, so specialists guide clients through available options to fill that gap. Understanding local flood zones and requirements is a key part of the service they provide. This office assists with both residential and commercial flood insurance policies in Frankfort and the surrounding region.

RB
949 Louisville Rd C
RB Brown - State Farm Insurance Agent
Flood Insurance Agent · Frankfort, KY

RB Brown - State Farm Insurance Agent in Frankfort, KY offers a full range of flood insurance services to help property owners secure coverage against water damage. Their ongoing support includes policy reviews and assistance with claims filing to ensure clients understand their protection options. The agent serves single-family homes, apartments, retail businesses, and restaurants throughout the local area.

SW
331 Versailles Rd
Steve Woodrum - State Farm Insurance Agent
Flood Insurance Agent · Frankfort, KY

Steve Woodrum, serving homeowners, businesses, and property managers in Frankfort, Kentucky, provides flood insurance agent services designed to help clients assess their exposure to local flooding risks. The agency assists policyholders in understanding coverage options that protect structures and belongings from water damage. Policies are tailored to meet requirements for properties located in designated flood zones throughout the region. In addition to serving Frankfort, the agency also covers neighboring communities within the greater Franklin County area.

EH
210 Kings Daughters Dr
Erika Hancock - State Farm Insurance Agent
Flood Insurance Agent · Frankfort, KY

Serving Frankfort, Kentucky, and the surrounding communities across Franklin County, Erika Hancock - State Farm Insurance Agent handles residential and commercial flood insurance needs. This agency helps property owners secure policies that protect against water damage from rivers, heavy rains, and flash floods common to the area. A typical job begins with a thorough review of the client’s property location and flood zone designation, then recommends appropriate coverage limits and deductible options to match their specific risk profile.

BM
1134 US-127
Bill McCoy Insurance Agency
Flood Insurance Agent · Frankfort, KY

Bill McCoy Insurance Agency in Frankfort, KY offers both one-time flood insurance policies for stand-alone needs and recurring coverage options for long-term property protection. Their plans typically cover damage caused by rising waters, mudflows, and overflow from lakes or rivers. Homeowners and renters alike can secure financial safeguards against flood-related losses. Service is arranged strictly on an as-needed basis, allowing clients to purchase a policy at any time without being locked into mandatory periodic renewals.

SS
800 E Main St
Sean Shah: Allstate Insurance
Flood Insurance Agent · Frankfort, KY

As a flood insurance agent, Sean Shah: Allstate Insurance in Frankfort, KY specializes in securing coverage against rising waters and flash floods. The agency generally assists homeowners and renters in the area with understanding policy exclusions and standard homeowners plan limits. It helps clients accurately assess their property’s flood risk based on zone mapping. This service proves especially valuable when spring thaws or heavy seasonal rains elevate local waterways, threatening basements and crawl spaces before a storm even formally arrives.

FG
600 E Main St
Franklin Goins Insurance Agency
Flood Insurance Agent · Frankfort, KY

When spring rains or flash flooding threaten central Kentucky homes, Franklin Goins Insurance Agency in Frankfort, KY helps property owners understand their flood risk. As a local flood insurance agent, the company guides residents through available National Flood Insurance Program policies tailored to this area's river and creek zones. They explain coverage limits, waiting periods, and elevation requirements so clients can make informed decisions. The first step toward protection typically begins with scheduling a free consultation to review a property's flood zone designation and discuss potential policy options.

SI
201 Capital Ave
Sturm Insurance Agency
Flood Insurance Agent · Frankfort, KY

Sturm Insurance Agency in Frankfort, KY, assists property owners with securing financial protection against water damage from rising waters and severe storms. The agency specializes in flood coverage, helping clients understand specific risk factors that standard homeowners policies generally exclude. They guide homeowners and renters through necessary documentation and policy options to ensure appropriate coverage limits. Their commercial services extend to protecting offices, warehouses, and food service operations from potential flood-related losses and business interruptions.

KF
1212 Wilkinson Blvd
Kentucky Farm Bureau Insurance
Flood Insurance Agent · Frankfort, KY

Kentucky Farm Bureau Insurance serves the Frankfort, Kentucky area as a flood insurance agent. The agency helps property owners manage financial risks from flood damage by assessing local exposure trends and guiding clients toward appropriate coverage. It works with available programs designed to protect homes and businesses from water-related losses. The company handles flood insurance policies for residential dwellings and commercial properties through established market options.

SI
103 C Michael Davenport Blvd
Shelter Insurance - BJ Hurst
Flood Insurance Agent · Frankfort, KY

Shelter Insurance - BJ Hurst in Frankfort, KY offers residential flood insurance to homeowners seeking protection against rising waters. Commercial coverage options are also available for local businesses in the area, ensuring comprehensive support for properties across the community. Clients throughout Frankfort can rely on straightforward assistance when navigating policies tailored to flood risk. After securing initial coverage, customers often return for periodic policy reviews between routine visits to keep their protection current and aligned with changing needs.

CH
326 St Clair St
Chenault & Hoge, Inc.
Flood Insurance Agent · Frankfort, KY
(502) 875-2244
chenaulthoge.com
KF
1120 Old US Highway 127 Road
Kentucky Farm Bureau Insurance | Franklin County - Frankfort West
Flood Insurance Agent · Frankfort, KY
(502) 875-5667
kyfb.com/franklin/frankfort-west
TB
574-576 E Main St
Trust Bloom Insurance Agency
Flood Insurance Agent · Frankfort, KY
(502) 703-0590
UI
823 E Main St
UltimateGuard Insurance Agency
Flood Insurance Agent · Frankfort, KY
(502) 556-1483
SI
1121 Louisville Rd Ste 401
Shelter Insurance
Flood Insurance Agent · Frankfort, KY
(502) 223-2196
shelterinsurance.com/CA
QI
112 E 2nd St
QuickFix Insurance Co
Flood Insurance Agent · Frankfort, KY
(502) 556-8417
sturminsurance.com
RI
216 W Main St
Reliability Insurance LLC
Flood Insurance Agent · Frankfort, KY
(502) 556-8426
lloyds.com
IN
308 Versailles Rd
Insurance Network Of Kentucky
Flood Insurance Agent · Frankfort, KY
(502) 352-5678
facebook.com/insurancenetworkky
EI
112 E 2nd St
EverGuarded Insurance LLC
Flood Insurance Agent · Frankfort, KY
(502) 556-1762
sturminsurance.com
EC
1212 Wilkinson Blvd
Evan Chrisman - Kentucky Farm Bureau
Flood Insurance Agent · Frankfort, KY
(502) 223-2193
facebook.com/EvanChrismanKentuckyFarmBureau

What Does a a Flood Insurance Agent in Frankfort Cost?

The cost of flood insurance in Kentucky varies widely based on property location, elevation, and coverage amount. For an NFIP policy, annual premiums typically range from 700 to 2,500 dollars for a standard home in a moderate-risk zone. Properties in high-risk areas near the Kentucky River may see premiums of 3,000 dollars or more. Private flood insurance can sometimes offer lower rates for low-risk properties. This is general information and not insurance advice.

About flood insurance agents in Frankfort

Flood insurance agents in Frankfort, Kentucky help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Kentucky law requires lenders to mandate flood insurance for properties in Special Flood Hazard Areas (SFHAs) as designated by FEMA. Frankforts location along the Kentucky River makes flood risk assessment a key part of any property insurance review.

Frequently Asked Questions

Is flood insurance required in Frankfort Kentucky?

Flood insurance is not required by Kentucky state law for all properties. However, if your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. The City of Frankfort participates in the NFIP, which makes coverage available to residents.

What does a flood insurance agent do in Frankfort?

A flood insurance agent evaluates your property's flood risk using FEMA flood maps and local data. They help you choose between NFIP policies and private flood insurance options. Agents also explain coverage limits, deductibles, and the 30-day waiting period before most NFIP policies take effect.

How do I find a flood insurance agent in Frankfort Kentucky?

You can search the Kentucky Department of Insurance website for licensed agents who write flood insurance. Local independent insurance agencies in Frankfort often offer flood policies. Ask about their experience with NFIP rules and Kentucky-specific flood zones near the Kentucky River.

Flood Insurance Agents in Other Kentucky 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.