The top-rated flood insurance agent in Port Huron, Michigan is Megan Simmons - State Farm Insurance Agent, rated 5.0 stars across 421 reviews. Other highly rated options include Jeff Genaw - State Farm Insurance Agent, Tremble Insurance Agency, Blue Water Insurance. This directory lists 17 flood insurance agents serving Port Huron.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Megan Simmons - State Farm Insurance Agent | 203 Huron Ave | (810) 385-4466 |
| 2 | Jeff Genaw - State Farm Insurance Agent | 4155 Lapeer Rd | (810) 984-1538 |
| 3 | Tremble Insurance Agency | 2620 Griswold St | (810) 987-8610 |
| 4 | Blue Water Insurance | 603 Griswold St | (810) 544-3072 |
| 5 | Presnell Insurance Agency | 2924 Pine Grove Ave | (810) 479-5494 |
| 6 | Kearns Agency Inc | 1101 Pine Grove Ave | (810) 987-3330 |
| 7 | Rusty Fournier: Allstate Insurance | 333 Huron Ave | (810) 982-2340 |
| 8 | Grant Smith Health Insurance Agency | 2916 Pine Grove Ave | (810) 984-1373 |
| 9 | Farm Bureau Insurance | 234 Huron Ave | (810) 984-5200 |
| 10 | Great Lakes Insurance | 3928 24th Ave | (810) 824-3159 |
Megan Simmons - State Farm Insurance Agent serves the Port Huron, Michigan area, specializing in flood insurance policies for homeowners and businesses. The agency helps clients understand the requirements for coverage in flood-prone zones near the Great Lakes and local waterways. They assist with filing claims and navigating the National Flood Insurance Program. Their local services include risk assessments for properties in designated floodplains and advice on supplemental policies for basement flooding.
Jeff Genaw - State Farm Insurance Agent in Port Huron, MI, serves homeowners, businesses, and property managers seeking flood coverage for their properties. Understanding how rising water levels from the St. Clair River or heavy rains can threaten local structures, the agency helps clients assess their flood risk and navigate available insurance policies. This includes explaining flood zones, coverage limits, and the typical waiting period before a policy takes effect. The office also extends its service to residents and commercial operators in neighboring Marysville and the surrounding St. Clair County communities.
Tremble Insurance Agency in Port Huron, MI provides a full range of flood insurance services, including policy selection guidance, risk assessment, and claims assistance for properties in flood-prone zones. It offers ongoing policy reviews and updates to ensure coverage reflects current flood maps and property values, helping to maintain adequate protection over time. The agency services single-family homes, apartments, retail establishments, and local restaurants in the area.
Blue Water Insurance serves Port Huron and the surrounding St. Clair County communities, handling flood insurance needs for residential and commercial properties near Lake Huron and the St. Clair River. The agency assists clients in obtaining National Flood Insurance Program policies for standard coverage. It reviews flood zone designations and property elevations to determine appropriate protection levels. Blue Water Insurance typically completes a full property assessment and explains policy exclusions and waiting periods to ensure the client understands the coverage before binding the policy.
For clients seeking either a single policy for immediate protection or ongoing coverage that automatically renews each term, Presnell Insurance Agency offers flood insurance tailored to properties in Port Huron, MI. A standard policy typically covers structural damage from rising water, while separate contents coverage can protect personal belongings. The agency guides homeowners and businesses through the specific flood risks along local waterways and Great Lakes shoreline. Their service is available on either a one-time or scheduled basis as needed for each policy period.
Kearns Agency Inc specializes in securing flood insurance policies for residential and commercial properties in Port Huron, MI. The agency also provides general guidance on federal and private coverage options to property owners in flood-prone areas. Its services help clients understand policy details and prepare for potential water damage. The agency assists with insurance needs before the spring snowmelt and heavy rainfall seasons that often heighten flood risks along the St. Clair River.
Rusty Fournier: Allstate Insurance assists Port Huron property owners with general insurance coverage, specializing in flood insurance to protect against water damage from the St. Clair River and severe storms. The agency advises clients on policy options for both residential and commercial structures. Businesses such as offices, warehouses, and food service establishments can secure tailored flood protection plans from this local agent.
When spring rains or winter thaws threaten the St. Clair River basin in Port Huron, Grant Smith Health Insurance Agency helps property owners prepare for the financial impact of rising waters. As a flood insurance agent, this company works with homeowners and small businesses to explain available coverage options from the National Flood Insurance Program. Understanding local flood zones and elevation requirements is central to finding appropriate protection. The process typically concludes with a site inspection to assess flood risks and document the property’s current conditions for an accurate initial-rate assessment.
Farm Bureau Insurance in Port Huron, Michigan provides residential flood insurance for homeowners seeking protection against water damage from storms or rising water. Commercial coverage is also available for local businesses requiring flood risk mitigation. The agency serves clients throughout Port Huron and the surrounding Saint Clair County area. With each flood policy, the agent helps ensure property owners have the necessary documentation for claims. They follow up after each claim filing and offer routine reviews between regular visits to adjust coverage as needed.
Great Lakes Insurance is known for providing flood insurance coverage to homeowners and businesses. Serving Port Huron, MI, and the surrounding region, the agency assists clients in obtaining policies from the National Flood Insurance Program and private carriers. Understanding the local flood risks along the St. Clair River and Lake Huron shoreline, the agency guides property owners through coverage options and claim processes. As an add-on specialty, it offers guidance on securing backup coverage for sump pump failure or sewer backup related to heavy rainfall events.
What Does a a Flood Insurance Agent in Port Huron Cost?
Flood insurance costs in Michigan vary widely based on flood zone, property value, and coverage amount. For a standard NFIP policy, premiums typically range from 700 to 2,000 dollars per year for low-risk areas, and can exceed 4,000 dollars for high-risk zones near water. Private flood insurance may offer lower rates or higher limits. This is general information and not insurance advice.
About flood insurance agents in Port Huron
Flood insurance agents in Port Huron help residents and business owners secure coverage against flood damage. Michigan law does not require flood insurance for most properties, but lenders often mandate it for homes in high-risk flood zones. Agents in Port Huron can explain the National Flood Insurance Program and private options available to you.
Frequently Asked Questions
Do I need flood insurance in Port Huron Michigan?
Flood insurance is not required by Michigan state law for most properties. However, if your home is in a Special Flood Hazard Area as shown on FEMA flood maps, your mortgage lender will likely require it. Port Huron is located along the St. Clair River and Lake Huron, so some areas are at higher flood risk.
What does a flood insurance agent in Port Huron do?
A flood insurance agent helps you assess your flood risk, compare policies from the National Flood Insurance Program and private insurers, and complete your application. They can also advise on coverage limits and deductibles to fit your needs.
How do I find a flood insurance agent in Port Huron?
You can search online for licensed insurance agents in Port Huron who offer flood coverage. The Michigan Department of Insurance and Financial Services also provides a list of licensed agents. Ask about their experience with NFIP policies and private flood insurance.
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