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Looking for a flood insurance agent in O'Fallon? Review the directory below to compare your options.
18 agents listed
Updated May 2026
O'Fallon, MO
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 Missouri before hiring.
Showing 18 flood insurance agents in O'Fallon, MO
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Steinlage Insurance Agency
1021 Peruque Crossing Ct, O'Fallon, MO 63366
(636) 561-5060
steinlageagency.com
Sandy Kessler - State Farm Insurance Agent
1293 Bryan Rd, O'Fallon, MO 63366
(636) 474-0700
sandykessler.com
Julie Meyers - State Farm Insurance Agent
2738 State Hwy K, O'Fallon, MO 63368
(636) 379-0832
agentjuliemeyers.com
Insurance Brokers Group
1001 Rondale Ct, O'Fallon, MO 63368
(314) 569-1010
insurancebrokersgroup.com
Mid-America Specialty Markets
1656 Bryan Rd, O'Fallon, MO 63368
(636) 978-3696
midaminsurance.com
Dillehay Insurance Agency
7322 Village Center Dr, O'Fallon, MO 63368
(636) 493-8001
dillehayinsurance.com
Farmers Insurance - Dawn Johnson
2311 State Hwy K, O'Fallon, MO 63368
(636) 294-3500
agents.farmers.com
Alternatives Insurance Agency
206 W Terra Ln, O'Fallon, MO 63366
(636) 978-7260
insuranceofallon-troy.com
AAA O'Fallon Insurance and Member Services
2277 State Hwy K, O'Fallon, MO 63368
(636) 272-2362
ace.aaa.com
Farmers Insurance - Hannah Brown Agency
1171 Bryan Rd, O'Fallon, MO 63366
(636) 487-0111
brownagencyins.com
Senn Insurance Agency
225 S Main St Suite 200, O'Fallon, MO 63366
(636) 978-7798
sennagency.com
Jeff Hug Insurance Broker
1068 Bryan Rd, O'Fallon, MO 63366
(636) 978-1595
jeffhuginsurance.com
Nicole Phelps Agency LLC American Family Insurance
2390 State Hwy K, O'Fallon, MO 63368
(636) 978-6514
amfam.com
Shelter Insurance
801 S Woodlawn Ave Ste 20 Ste A, O'Fallon, MO 63366
(636) 487-5680
shelterinsurance.com
Shane Riffle American Family Insurance
706 N Main St, O'Fallon, MO 63366
(636) 240-4141
amfam.com
Insurance Group of St Charles County LLC Ben Fischer Broker
1049A E Terra Ln, O'Fallon, MO 63366
(636) 294-6633
insurancegroupmo.com
Shelter Insurance - Bradley Wheeler
801 S Woodlawn Ave Ste 20, O'Fallon, MO 63366
(636) 317-2450
shelterinsurance.com
Mid America Insurance Services, LLC
2017 State Hwy K, O'Fallon, MO 63366
(636) 278-0291
midamins.net
Flood insurance agents in O'Fallon, Missouri help residents and business owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. O'Fallon lies near the Missouri River and experiences periodic flooding, making flood insurance important for many properties. Missouri law does not require flood insurance, but mortgage lenders often mandate it for homes in designated flood zones.
What Does a Flood Insurance Agent in O'Fallon Cost?
The cost of flood insurance in O'Fallon, Missouri varies based on your propertys flood zone, elevation, and coverage amount. NFIP policies typically range from $500 to $2,000 per year for standard coverage, with higher rates for high-risk zones. Private insurers may offer lower premiums or higher limits. This is general information and not insurance advice. Consult a licensed agent for a specific quote.
* 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 O'Fallon Missouri?
Flood insurance is not required by Missouri state law, but it is mandatory for properties in high-risk flood zones if you have a federally backed mortgage. Even outside high-risk zones, flooding can occur, so many homeowners choose to purchase a policy for protection.
How do I find a flood insurance agent in O'Fallon?
You can search for licensed insurance agents in O'Fallon through the Missouri Department of Insurance website or ask your current home insurance provider for a referral. Many local agencies specialize in flood policies and can help you determine your flood zone and coverage needs.
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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 Missouri.