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HomeFlood Insurance AgentsMissouri › St Joseph

Find Flood Insurance Agents Near You in St Joseph, MO

Browse flood insurance agents serving St Joseph, Missouri. Updated 2026-07-14.

The top-rated flood insurance agent in St Joseph, Missouri is Patrick Lile American Family Insurance, rated 4.9 stars across 125 reviews. Other highly rated options include Clear View Insurance Specialists, Tolly & Associates Inc American Family Insurance, AIS. This directory lists 20 flood insurance agents serving St Joseph.

Showing 20 flood insurance agents in St Joseph, MOListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Patrick Lile American Family Insurance2721 Pembroke Ln(816) 279-7770
2Clear View Insurance Specialists3849 Frederick Ave(816) 232-7400
3Tolly & Associates Inc American Family Insurance2606 N Belt Hwy(816) 232-8400
4AIS2903 S Belt Hwy(816) 676-2886
5Makison Insurance & Retirement2411 N Woodbine Rd(816) 209-6765
6Shelter Insurance - Dana Oerman6412 King Hill Ave(816) 238-1450
7Adlee Conaway Insurance Agency LLC American Family Insurance6402 King Hill Ave(816) 238-5201
8Larry Bowles - Missouri Farm Bureau Insurance2233 N Belt Hwy Ste C(816) 558-6171
9Shelter Insurance3011 S Belt Hwy(816) 354-0260
10Buchanan County Mutual Insurance Company1004 S Belt Hwy(816) 232-0933
PL
2721 Pembroke Ln
Patrick Lile American Family Insurance
Flood Insurance Agent · St Joseph, MO

Patrick Lile American Family Insurance provides flood insurance services to residents and businesses in the St Joseph, Missouri area. It helps clients assess property flood risks and secure appropriate coverage policies. The agency offers guidance on understanding policy details and claims procedures throughout the year. Its service plans involve reviewing coverage needs during policy renewals and after major weather events that may alter local flood zones. The company supports a range of property types, including single-family homes, apartments, retail locations, and restaurants.

CV
3849 Frederick Ave
Clear View Insurance Specialists
Flood Insurance Agent · St Joseph, MO

Clear View Insurance Specialists serves homeowners, businesses, and property managers in St Joseph, MO, by helping them secure flood insurance policies to protect against water damage from rivers and heavy rainfall. The agency guides clients through the complexities of National Flood Insurance Program options and private coverage. It also assists with risk assessments and policy renewals to ensure continuous protection. Additionally, the company provides its flood insurance services to clients in surrounding Buchanan County communities.

TA
2606 N Belt Hwy
Tolly & Associates Inc American Family Insurance
Flood Insurance Agent · St Joseph, MO

Tolly & Associates Inc American Family Insurance serves St. Joseph, Missouri, and the surrounding communities with tailored flood insurance coverage. The agency handles policies that protect residential and commercial properties from water damage due to rising waters and storms. Working within FEMA’s National Flood Insurance Program, it helps clients assess their flood risk and secure appropriate limits. To manage a typical job, the agency begins with a detailed consultation to evaluate the property’s location and flood zone, then provides clear guidance before submitting the application.

AI
2903 S Belt Hwy
AIS
Flood Insurance Agent · St Joseph, MO

AIS serves the St. Joseph, Missouri, metro area and surrounding Buchanan County as a dedicated flood insurance agent. The company provides essential coverage solutions for homeowners and business owners in local flood zones. They assist clients in understanding flood risk and selecting appropriate policies through the National Flood Insurance Program. Daily operations focus on evaluating property-specific exposure and guiding residents through the application process. AIS handles both standard residential flood insurance and commercial flood policy services in this region.

MI
2411 N Woodbine Rd
Makison Insurance & Retirement
Flood Insurance Agent · St Joseph, MO

Makison Insurance & Retirement in St Joseph, MO offers flood coverage on both a one-time policy for individual properties and an annual recurring plan for continual protection, ensuring residents are protected against rising water damage. As a flood insurance agent, the agency helps property owners navigate federal and local requirements for flood-prone areas. This service is available on a one-time or scheduled annual basis depending on client renewal preferences.

SI
6412 King Hill Ave
Shelter Insurance - Dana Oerman
Flood Insurance Agent · St Joseph, MO

Shelter Insurance - Dana Oerman specializes in providing flood insurance policies designed to protect residential and commercial properties in St Joseph, Missouri. The agency generally assists clients in evaluating their specific flood risks and navigating the complexities of coverage options to safeguard their assets. It focuses on helping property owners understand the importance of securing protection against water damage from rising rivers and heavy rainfall. This service is particularly valuable during spring thaws and severe storm seasons, when the Missouri River watershed often poses increased flooding threats to the surrounding area.

AC
6402 King Hill Ave
Adlee Conaway Insurance Agency LLC American Family Insurance
Flood Insurance Agent · St Joseph, MO

With flood season approaching in St. Joseph, many homeowners look to understand their risk from rising waters. Adlee Conaway Insurance Agency LLC American Family Insurance offers guidance on flood insurance policies for local properties. This agent reviews the National Flood Insurance Program options available to residents, helping to match coverage with the specific needs of each home or business. Their process begins by scheduling a property inspection to assess elevation and flood zone location, ensuring accurate policy recommendations from the initial visit.

LB
2233 N Belt Hwy Ste C
Larry Bowles - Missouri Farm Bureau Insurance
Flood Insurance Agent · St Joseph, MO

Larry Bowles - Missouri Farm Bureau Insurance provides property and casualty coverage to clients in St Joseph, Missouri. As a flood insurance agent, the company helps protect homes and businesses against water damage, a vital service given the region’s flood risks. Policies are tailored to address coverage gaps often found in standard homeowners' plans, focusing on structured protection. The agency can assist commercial sectors including offices, warehouses, and food service operations.

SI
3011 S Belt Hwy
Shelter Insurance
Flood Insurance Agent · St Joseph, MO

Shelter Insurance provides residential flood insurance to homeowners in St Joseph, Missouri, helping protect properties from water damage. Commercial coverage is also available for local businesses seeking financial safeguards against flooding. The agency serves clients throughout St Joseph and its surrounding areas. Policies can be reviewed and updated as property values or flood zone designations change. Clients are encouraged to call for a policy check after a major storm or before the rainy season begins, ensuring continuous effective coverage between regular visits.

BC
1004 S Belt Hwy
Buchanan County Mutual Insurance Company
Flood Insurance Agent · St Joseph, MO
SC
805 S Belt Hwy
Sunshine Cover Insurance Co
Flood Insurance Agent · St Joseph, MO
(816) 281-5993
buchanancountyinsurance.com
SI
203 N 36th St Ste C
Shelter Insurance - Lisa Findley
Flood Insurance Agent · St Joseph, MO
(816) 232-5491
shelterinsurance.com/CA/agent/LFINDLEY
SI
1807 N Woodbine Rd A
Shelter Insurance - John Anderson
Flood Insurance Agent · St Joseph, MO
(816) 232-5404
shelterinsurance.com/CA/agent/JOHNANDERSON
SI
512 S Woodbine Rd
Shelter Insurance - Matt Cathey
Flood Insurance Agent · St Joseph, MO
(816) 232-5411
shelterinsurance.com/CA/agent/MCATHEY
WI
3603 Woodlawn Terrace
Wagers Insurance Agency
Flood Insurance Agent · St Joseph, MO
(816) 676-1000
thewagersagency.com
SI
303 S Belt Hwy
Shelter Insurance - Matthew Judah
Flood Insurance Agent · St Joseph, MO
(816) 232-4300
shelterinsurance.com/CA/agent/MATTHEWJUDAH
SI
2312 N 36th St
Shelter Insurance - Tosh Rauer
Flood Insurance Agent · St Joseph, MO
(816) 232-6117
shelterinsurance.com/CA/agent/TOSHRAUER
TT
1802 Union St
Tilton Thomas & Morgan Inc.
Flood Insurance Agent · St Joseph, MO
(816) 233-0266
ttminsurance.com
CI
401 N 13th St
Consolidated Insurance Agents, LLC.
Flood Insurance Agent · St Joseph, MO
(816) 279-0894
consolidated-insurance.com
SJ
3715 Beck Rd b201
Saint Joseph Insurance
Flood Insurance Agent · St Joseph, MO
(816) 364-4381
sjiagency.com

What Does a a Flood Insurance Agent in St Joseph Cost?

The cost of flood insurance in Missouri varies widely based on flood zone property elevation and coverage amount. For a standard NFIP policy in a low-risk zone annual premiums may start around 500 dollars while high-risk zone properties can pay 1000 to 3000 dollars or more per year. Private flood insurance policies may offer different pricing and higher coverage limits. This is general information and not insurance advice.

About flood insurance agents in St Joseph

Flood insurance agents in St Joseph Missouri help property owners secure coverage through the National Flood Insurance Program and private insurers. Missouri law does not require flood insurance for most properties but mortgage lenders often mandate it for homes in high-risk flood zones. The city of St Joseph sits along the Missouri River making flood risk awareness important for local homeowners and businesses.

Frequently Asked Questions

What does a flood insurance agent in St Joseph do?

A flood insurance agent helps you assess your flood risk and choose a policy that meets your needs. They explain coverage limits deductibles and exclusions for both building and contents protection. They also assist with filing claims and understanding Missouri flood zone maps.

Is flood insurance required in St Joseph Missouri?

Flood insurance is not required by Missouri state law for most properties. However lenders typically require it for properties in high-risk flood zones designated by FEMA. Even properties outside high-risk zones can benefit from coverage as floods occur in all areas.

How do I know my flood zone in St Joseph?

Your flood zone is determined by FEMA flood maps which are available online through the FEMA Map Service Center. A flood insurance agent in St Joseph can review your property address and explain your zone designation. They can also help you understand how your zone affects your premium and coverage options.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each flood insurance agent's credentials and current standing with your state Department of Insurance.