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.
Find Flood Insurance Agents Near You in Owings, MD
Directory of flood insurance agents in Owings, Maryland. Verify credentials with the state department of insurance before hiring.
3 agents listed
Updated May 2026
Owings, 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 3 flood insurance agents in Owings, 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.
Nationwide Insurance - Matthew K Boudreau
9829 Old Solomons Island Rd, Owings, MD 20736
(410) 257-6766
boudreauinsurance.com
OakPoint Insurance
1999 Chaneyville Rd, Owings, MD 20736
(410) 535-0416
oakpointins.com
Michael Sprague & Associates
200-A E Mt Harmony Rd, Owings, MD 20736
(410) 257-6006
erieinsurance.com
Flood insurance agents in Owings, Maryland help property owners secure coverage through the National Flood Insurance Program or private insurers. Maryland law requires flood insurance for properties in designated Special Flood Hazard Areas if they have a federally backed mortgage. Owings is located in Calvert County, where coastal flood risks and storm surge from the Chesapeake Bay can affect insurance requirements and rates.
What Does a Flood Insurance Agent in Owings Cost?
Typical flood insurance costs in Owings range from about $700 to $2,500 per year for an NFIP policy, depending on flood zone, elevation, and coverage amount. Properties in high-risk zones or with lower elevations may pay more. Private market policies can vary widely. This is general information, 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 Owings, Maryland?
If your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, many homeowners choose coverage because Owings experiences heavy rain and coastal storm events.
How does a flood insurance agent help in Owings?
A licensed agent can review your property's flood zone designation, explain NFIP and private policy options, and help you meet Maryland's insurance requirements. They also assist with elevation certificates and claims guidance after a flood event.
What is the waiting period for flood insurance in Maryland?
Standard NFIP policies have a 30-day waiting period before coverage begins. Exceptions exist for loans closing on a property or for map changes. Private insurers may have different waiting periods, so ask your agent for details.
Free • No Obligation
Compare Flood Insurance Agents
Get matched with agents in Owings 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.