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HomeFlood Insurance AgentsMaryland › Germantown

Find Flood Insurance Agents Near You in Germantown, MD

Browse flood insurance agents serving Germantown, Maryland. Updated 2026-07-14.

The top-rated flood insurance agent in Germantown, Maryland is Miguel Malca - State Farm Insurance Agent, rated 5.0 stars across 874 reviews. Other highly rated options include Klinger Insurance Group, Jay Jarvis - State Farm Insurance Agent, Congressional Insurance Associates. This directory lists 12 flood insurance agents serving Germantown.

Showing 12 flood insurance agents in Germantown, MDListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Miguel Malca - State Farm Insurance Agent20410 Observation Dr #112(240) 654-0204
2Klinger Insurance Group19785 Crystal Rock Dr STE 301(301) 428-4935
3Jay Jarvis - State Farm Insurance Agent20030 Century Blvd Ste 202(301) 569-6454
4Congressional Insurance Associates20440 Century Blvd #110(240) 912-4150
5CF Alliance Insurance Services20300 Seneca Meadows Pkwy #205(301) 515-9015
6Sam Moinzadeh: Allstate Insurance19725 Executive Park Cir(301) 916-9600
7Preferred Insurance Solutions20030 Century Blvd #201(301) 428-3344
8Schaefer & Delauder Insurance13208 Executive Park Terrace(301) 428-0282
9Clough Insurance Team19745 Executive Park Cir(301) 241-7181
10SimPim Affordable Insurance Co.20201 Century Blvd # 160(227) 275-6460
MM
20410 Observation Dr #112
Miguel Malca - State Farm Insurance Agent
Flood Insurance Agent · Germantown, MD

Miguel Malca - State Farm Insurance Agent serves the Germantown area of Montgomery County, providing flood insurance coverage for local residential and commercial properties. The agency helps homeowners and business owners assess their flood risk and secure policies that meet federal requirements or private coverage needs. Clients receive guidance on navigating flood zone designations and understanding coverage limits for buildings and contents. As a flood insurance agent, the company handles both standard policy applications and claims assistance for flood-related water damage in this region, including basements and first-floor structures.

KI
19785 Crystal Rock Dr STE 301
Klinger Insurance Group
Flood Insurance Agent · Germantown, MD

Klinger Insurance Group provides consultation and policy placement for flood insurance needs in Germantown, Maryland. Its service approach includes reviewing existing coverage, explaining federal program requirements, and assisting with applications during open enrollment or special flood events. Property maintenance guidance includes advice on elevation certificates and mitigation measures to reduce future risk. The agency services single-family homes, apartment buildings, retail spaces, and restaurants.

JJ
20030 Century Blvd Ste 202
Jay Jarvis - State Farm Insurance Agent
Flood Insurance Agent · Germantown, MD

Homeowners, businesses, and property managers in Germantown, MD, can consult Jay Jarvis - State Farm Insurance Agent for flood insurance needs. This agency helps clients secure policies that cover damage from rising waters, a critical protection for properties in flood-prone areas. Services include policy evaluations and guidance on federal flood program requirements to safeguard residential and commercial assets. The agency also serves the greater Montgomery County area, including communities such as Gaithersburg and Rockville.

CI
20440 Century Blvd #110
Congressional Insurance Associates
Flood Insurance Agent · Germantown, MD

Congressional Insurance Associates serves Germantown, Maryland, and the surrounding Montgomery County communities. As a dedicated flood insurance agent, it handles policies that protect residential and commercial properties from water damage caused by storms and rising waters. These policies are essential for homeowners and business owners in flood-prone areas where standard coverage does not apply. To handle a typical job, the agent first reviews a property’s specific flood risk and then recommends appropriate coverage levels from the available federal and private programs.

CA
20300 Seneca Meadows Pkwy #205
CF Alliance Insurance Services
Flood Insurance Agent · Germantown, MD

CF Alliance Insurance Services in Germantown, MD distinguishes between one-time flood zone determination or policy setup and recurring annual policy reviews and renewals, ensuring ongoing compliance with federal requirements for properties in FEMA-designated flood zones. Coverage options through this flood insurance agent typically protect structures and contents against rising water damage from heavy rainfall or overflow events. Service runs on a scheduled annual basis that aligns with federal flood insurance program renewal cycles, though one-time consultations for new homeowners or property transactions are also available upon request.

SM
19725 Executive Park Cir
Sam Moinzadeh: Allstate Insurance
Flood Insurance Agent · Germantown, MD

Sam Moinzadeh: Allstate Insurance offers specialized flood insurance services for properties in Germantown, MD. It also provides general home and renters coverage, helping clients build comprehensive protection plans for their assets. The agency assists homeowners, renters, and business owners in securing policies that address local flood risks. With seasonal storms and heavy rain often causing water damage in this area, the agency helps clients prepare for potential flooding before weather events strike.

PI
20030 Century Blvd #201
Preferred Insurance Solutions
Flood Insurance Agent · Germantown, MD

Spring and summer storms in Germantown often bring heavy rain and flash flooding. Preferred Insurance Solutions helps local homeowners assess this exposure and select appropriate flood coverage. As a designated flood insurance agent, the company can explain national flood program options and address elevation certificate questions specific to the area. Residents who schedule an appointment will receive a thorough review of their property and submersion risk before any renewal deadline passes. A walk-through inspection is then arranged to document the home’s foundation and lower-level openings.

SD
13208 Executive Park Terrace
Schaefer & Delauder Insurance
Flood Insurance Agent · Germantown, MD

Flood insurance agent Schaefer & Delauder Insurance in Germantown, MD provides risk assessment and policy guidance for property owners. The agency specializes in securing National Flood Insurance Program coverage as a dedicated flood insurance agent. It addresses unique regional exposure from streams and watersheds common to this area of Maryland. Commercial clients can be served, including offices, warehouses, and food service operations that require protection against flood-related business interruption and asset loss.

CI
19745 Executive Park Cir
Clough Insurance Team
Flood Insurance Agent · Germantown, MD

Clough Insurance Team provides flood insurance services for residential properties in the Germantown, MD area, helping homeowners protect their primary residences from water damage. The agency also offers commercial flood coverage tailored to local businesses in the surrounding communities. As a licensed flood insurance agent, it guides clients through policy options that align with federal requirements. The team ensures that clients understand their coverage details before regular visits, making follow-up service available when renewals or policy adjustments become necessary.

SA
20201 Century Blvd # 160
SimPim Affordable Insurance Co.
Flood Insurance Agent · Germantown, MD

As spring rains and summer storms threaten the Germantown, Maryland area with potential flooding, SimPim Affordable Insurance Co. offers essential property protection to local homeowners and renters. The company specializes in connecting clients with appropriate flood insurance plans to safeguard against costly water damage. These agents guide residents through complex policy options and help determine adequate coverage for their specific properties. An initial risk assessment typically involves an on-site property inspection to evaluate flood zones, drainage, and foundation vulnerabilities before recommending any coverage.

FI
12410 Milestone Center Dr Suite 600
Farmers Insurance - Randolf Fonseca
Flood Insurance Agent · Germantown, MD
(301) 279-9200
agents.farmers.com/md/germantown/randolf-fonseca
CI
12410 Milestone Center Dr
C Insurance
Flood Insurance Agent · Germantown, MD
(800) 318-6040
cinsurancellc.com

What Does a a Flood Insurance Agent in Germantown Cost?

The cost of flood insurance in Maryland varies by property. An NFIP policy in a low-risk zone may cost around 500 to 800 dollars per year. In high-risk zones, premiums can range from 1,000 to 4,000 dollars or more depending on elevation and building characteristics. Private flood insurance may offer different rates and coverage limits. This is general information and not insurance advice.

About flood insurance agents in Germantown

Flood insurance agents in Germantown Maryland help homeowners and businesses secure coverage through the National Flood Insurance Program or private insurers. Maryland law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Local agents understand the specific flood risks in Montgomery County and can guide you through the policy process.

Frequently Asked Questions

What does a flood insurance agent in Germantown do?

A flood insurance agent helps you find and purchase a flood insurance policy that meets your needs. They explain coverage options, help with flood zone determinations, and assist with claims. Agents in Germantown are familiar with local flood maps and Maryland insurance regulations.

Is flood insurance required in Germantown Maryland?

Flood insurance is required if your property is in a Special Flood Hazard Area and you have a federally backed mortgage. Even outside high-risk zones, many homeowners choose flood insurance because heavy rains can cause flooding. Maryland law does not mandate flood insurance for all properties.

How do I choose a flood insurance agent in Germantown?

Look for an agent licensed in Maryland who has experience with flood policies. Check if they offer both NFIP and private flood insurance options. Ask about their knowledge of Montgomery County flood zones and their process for helping you file a claim.

Flood Insurance Agents in Other Maryland 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.