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Looking for a flood insurance agent in Richmond? Review the directory below to compare your options.
19 agents listed
Updated May 2026
Richmond, KY
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 Kentucky before hiring.
Showing 19 flood insurance agents in Richmond, KY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
State Farm: Jerry Goble
444 Big Hill Ave, Richmond, KY 40475
(859) 623-0350
jerrygobleinsurance.com
Parsons & Howard Insurance Group LLC
332 High Land Park Dr, Richmond, KY 40475
(859) 624-9199
parsonshowardinsurance.com
The Richmond Insurance Group
2130 Lexington Rd suite e, Richmond, KY 40475
(859) 353-5596
Insurance Pro
226 E Main St, Richmond, KY 40475
(859) 624-1500
insurancepro.biz
Shelter Insurance - Ashley Kovaleski
610 Big Hill Ave Ste 6, Richmond, KY 40475
(859) 624-0883
shelterinsurance.com
Bray and Oakley Insurance Agency
2150 Lexington Rd d2, Richmond, KY 40475
(859) 623-1933
brayandoakley.com
Nationwide Insurance: Alan K Hatfield Inc.
136 Big Hill Ave, Richmond, KY 40475
(859) 623-2970
Greg Neace: Kentucky Farm Bureau Insurance/ Madison County-North
296 Michelle Dr, Richmond, KY 40475
(859) 626-7725
kyfb.com
Kentucky Farm Bureau Insurance
300 High Land Park Dr, Richmond, KY 40475
(859) 623-5254
kyfb.com
Madison Insurance Agency
310 Geri Ln, Richmond, KY 40475
(859) 626-0002
insurewithmadison.com
Linville Insurance Agency
1060 Center Dr, Richmond, KY 40475
(859) 626-5252
linvilleinsurance.com
Supreme insurance Richmond
301 W Main St, Richmond, KY 40475
(859) 374-3444
Shelter Insurance - Evan Worrell
155 N Keeneland Dr Suite 1, Richmond, KY 40475
(859) 624-0031
shelterinsurance.com
Cole Insurance Agency
310 High Land Park Dr, Richmond, KY 40475
(859) 623-4309
coleinsinc.com
ALH Insurance
125 S 3rd St, Richmond, KY 40475
(859) 626-7888
alhinsurance.com
Fast Guard Insurance Agency
110 S 3rd St, Richmond, KY 40475
(859) 694-0741
Roberts Insurance
527 W Main St, Richmond, KY 40475
(859) 623-7684
bobrobertsinsurance.com
John Rader Insurance Inc
296 Michelle Dr, Richmond, KY 40475
(859) 626-7725
kyfb.com
Maupin Insurance Agency
1509 1/2 Lexington Rd, Richmond, KY 40475
(859) 220-0408
maupininsuranceky.com
Flood insurance agents in Richmond, Kentucky help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Kentucky law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Richmond residents near the Kentucky River or Taylor Fork should consider flood insurance even outside mapped zones.
What Does a Flood Insurance Agent in Richmond Cost?
Flood insurance costs in Richmond, Kentucky typically range from 500 to 2,500 dollars per year for a standard NFIP policy, depending on flood zone, elevation, and building value. Private market policies may cost more or less based on risk. Premiums can be higher in high-risk areas near the Kentucky River. 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 Richmond Kentucky?
If your property is in a Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, you are required to have flood insurance. Even outside high-risk zones, flooding can occur, so many homeowners choose to buy a policy.
How do I find a flood insurance agent in Richmond?
You can search for licensed insurance agents in Madison County who offer flood insurance. Many local agencies in Richmond can help you compare NFIP and private flood policies to find coverage that fits your needs.
What does flood insurance cover in Kentucky?
Standard NFIP policies cover building property and personal contents up to policy limits. Coverage includes damage from rising water, but not from sewer backups unless you add a separate endorsement. Kentucky law does not mandate additional coverage beyond federal requirements.
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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 Kentucky.