ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Looking for a flood insurance agent in Leonardtown? Review the directory below to compare your options.
4 agents listed
Updated May 2026
Leonardtown, MD
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 Maryland before hiring.
Showing 4 flood insurance agents in Leonardtown, MD
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
OakPoint Insurance
25775 Point Lookout Rd, Leonardtown, MD 20650
(301) 475-2866
oakpointins.com
Olde Towne Insurance Agency
22720 Washington St, Leonardtown, MD 20650
(301) 475-3151
danburris.com
Waring-Ahearn Insurance Inc: Jay Duke
40855 Merchants Ln #104, Leonardtown, MD 20650
(301) 475-5541
waring-ahearn.com
Waring-Ahearn Insurance Agency
40855 Merchants Ln, Leonardtown, MD 20650
(301) 475-5541
waring-ahearn.com
Flood insurance agents in Leonardtown help property owners protect against flood damage common in low-lying areas near the Potomac River and Chesapeake Bay. Maryland law requires lenders to mandate flood insurance for homes in designated Special Flood Hazard Areas. Local agents can explain the 30-day waiting period for new National Flood Insurance Program policies and guide you through elevation certificates and flood zone maps specific to St. Marys County.
What Does a Flood Insurance Agent in Leonardtown Cost?
Flood insurance premiums in Maryland vary by flood zone, property elevation, and coverage amount. For a standard NFIP policy, annual premiums typically range from 700 to 2,000 dollars for low-risk zones and can exceed 4,000 dollars in high-risk areas. Private flood insurance may offer different rates. Actual costs depend on your specific property and chosen deductible. 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 Leonardtown Maryland?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, agents often recommend coverage because Leonardtown experiences heavy rain and coastal storm surges.
How long does it take for a flood insurance policy to start in Maryland?
Standard NFIP policies have a 30-day waiting period from the date of application and payment. There is an exception for policies bought in connection with a new mortgage or a map revision, which may have a shorter wait.
What does a flood insurance agent in Leonardtown do?
An agent helps you assess your flood risk using FEMA flood maps, explains coverage limits for building and contents, and assists with filing claims. They also inform you about Maryland-specific requirements such as elevation certificate needs and premium discounts for flood mitigation measures.
Free • No Obligation
Compare Flood Insurance Agents
Get matched with agents in Leonardtown who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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 Maryland.