The top-rated flood insurance agent in Silver Spring, Maryland is Universal Insurance Group, rated 5.0 stars across 722 reviews. Other highly rated options include ERIE Insurance - Harders & Bradford Insurance Agency, ACG Insurance Services, Ray Mensah - State Farm Insurance Agent. This directory lists 24 flood insurance agents serving Silver Spring.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Universal Insurance Group | 11161 New Hampshire Ave # 400 | (301) 360-4560 |
| 2 | ERIE Insurance - Harders & Bradford Insurance Agency | 512 E Randolph Rd L | (301) 879-5900 |
| 3 | ACG Insurance Services | 817 Silver Spring Ave #100 | (301) 585-1928 |
| 4 | Ray Mensah - State Farm Insurance Agent | 11205B Lockwood Dr | (301) 681-4450 |
| 5 | Nationwide Insurance: Won K. Kim Insurance Agency, Inc. | 12111 Heritage Park Cir | (301) 962-8300 |
| 6 | Dawn Insurance Group | 109 Claybrook Dr | (240) 729-8261 |
| 7 | Seguros R Vasquez, Inc | 11451 Georgia Ave | (301) 962-3333 |
| 8 | Homa Sharma: Allstate Insurance | 8209 Fenton St #5 | (301) 403-0413 |
| 9 | Gomez Insurance Co | 1751 Elton Rd #110 | (301) 850-4911 |
| 10 | Leydine Zapata: Allstate Insurance | 10111 Colesville Rd Ste 125 | (301) 681-3471 |
Universal Insurance Group serves Silver Spring and Montgomery County as a flood insurance agent. This agency helps property owners understand available coverage options from the National Flood Insurance Program. It assists residents in assessing flood risk for homes and businesses within local floodplain zones. Clients receive guidance on policy limits, deductibles, and typical waiting periods before coverage takes effect. The company handles flood insurance applications and may assist with filing claims for flood-related damage after a storm or overflow event.
ERIE Insurance - Harders & Bradford Insurance Agency serves Silver Spring and the surrounding Maryland communities, covering flood insurance needs for residential and commercial properties. The agency handles policies that protect against water damage from rising waters, including those not covered by standard homeowners insurance. It reviews each property's specific flood zone risks to recommend appropriate coverage levels that align with federal requirements. In a typical job, the agency conducts a detailed analysis of local flood maps and client needs to tailor a policy that ensures adequate protection.
ACG Insurance Services assists homeowners, businesses, and property managers in Silver Spring, Maryland, with obtaining flood insurance. As a local agent, it helps clients understand National Flood Insurance Program policies and private coverage options to protect against flood damage. The agency focuses on matching each property's specific risk profile with an appropriate plan. It also serves surrounding communities within the Washington, D.C., metro area, including neighborhoods in nearby Takoma Park.
Ray Mensah of State Farm Insurance Agent in Silver Spring, Maryland helps clients choose between a one-time flood insurance policy for short-term needs or a recurring annual plan for ongoing property protection. Coverage options from this local agent address potential water damage from storms or rising waters, ensuring residences and businesses have financial safeguards. Service appointments for flood insurance consultations and management are available on an as-needed basis.
As a dedicated flood insurance agent, Nationwide Insurance: Won K. Kim Insurance Agency, Inc. in Silver Spring, MD specializes in helping property owners secure National Flood Insurance Program coverage while also addressing standard homeowners and renters policies that often require supplementary flood protection. The agency works with clients to understand their specific flood zone risks and coverage needs in the local area. It is especially helpful during the spring storm season when heavy rainfall frequently leads to flash flooding concerns for the community.
When seasonal storms threaten the Washington, D.C., metro area, property owners in Silver Spring often seek reliable guidance on protecting their assets. Dawn Insurance Group responds by offering flood insurance agent services tailored to local risk exposures and federal program requirements. The agency helps clients evaluate their coverage needs and understand policy options designed for flood-prone zones. An initial consultation typically includes a review of the property’s elevation and flood history, followed by a thorough inspection to identify vulnerabilities and recommend appropriate coverage limits for each structure.
Seguros R Vasquez, Inc in Silver Spring, MD offers guidance on flood insurance policy options and assists clients with the application and claims process. Its service model includes helping property owners assess their flood risk and select appropriate coverage levels, while maintenance plans involve annual policy reviews to adjust for changing flood zone maps. The company serves a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.
Homa Sharma: Allstate Insurance in Silver Spring, MD, is known for providing flood insurance policies to local homeowners and renters. The agency helps clients in the Silver Spring area understand flood zones, risk assessments, and federal program coverage options. Policies offered typically protect buildings and contents from water damage caused by rising waters or heavy rainfall. The agency can also evaluate the need for supplemental coverage beyond standard flood limits for basements or finished lower levels.
Leydine Zapata at Allstate Insurance helps clients secure property protection, specializing in flood insurance for the Silver Spring area. Policies address damage from rising waters, which standard homeowners coverage often excludes. This agent assists homeowners and renters in assessing their flood risk and finding appropriate coverage limits. Small business owners can also obtain tailored policies to safeguard their operations. Commercial sectors served include offices, warehouses, and food service establishments.
What Does a a Flood Insurance Agent in Silver Spring Cost?
Flood insurance premiums in Silver Spring vary based on flood zone, elevation, and building characteristics. An NFIP policy for a single-family home in a moderate-risk zone may cost around $700 to $1,200 per year, while high-risk properties can exceed $2,000. Private market policies may offer different rates. This is general information and not insurance advice.
About flood insurance agents in Silver Spring
Flood insurance agents in Silver Spring, Maryland help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Maryland law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Agents can explain local flood maps and assist with elevation certificates to ensure proper coverage.
Frequently Asked Questions
Do I need flood insurance in Silver Spring Maryland?
If your property is in a Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, you are required by law to carry flood insurance. Even outside high-risk zones, flood damage is not covered by standard homeowners policies.
How do I choose a flood insurance agent in Silver Spring?
Look for an agent licensed in Maryland who is familiar with FEMA flood maps for Montgomery County. Ask about their experience with elevation certificates and NFIP compliance to ensure you get accurate coverage.
What does a flood insurance agent do for me?
An agent helps you assess your flood risk, select appropriate coverage limits, and complete the necessary paperwork. They can also guide you through the claims process if you experience flood damage.
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