The top-rated flood insurance agent in Bozeman, Montana is Proper Insurance Services, rated 5.0 stars across 792 reviews. Other highly rated options include Brad Daws - State Farm Insurance Agent, Insurance Unlimited of Bozeman, Big Sky Insurance Lanphear Agency. This directory lists 20 flood insurance agents serving Bozeman.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Proper Insurance Services | 40 Enterprise Blvd Suite 201 | (888) 631-6680 |
| 2 | Brad Daws - State Farm Insurance Agent | 1716 W Main St STE 2 | (406) 587-4010 |
| 3 | Insurance Unlimited of Bozeman | 1425 W Main St STE. D | (406) 586-1818 |
| 4 | Big Sky Insurance Lanphear Agency | 301 Edelweiss Dr # 5 | (406) 586-5449 |
| 5 | Bridger Insurance Agency | 389 S Ferguson Ave | (406) 922-5110 |
| 6 | Maxwell McDonough at Comparion Insurance Agency | 4575 Valley Commons Dr Suite 203 | (406) 200-6634 |
| 7 | Western Horizon Insurance LLC | 43 Mill Town Lp Unit C | (406) 388-2231 |
| 8 | Bissell Insurance Agency | 4055 Valley Commons Dr | (406) 586-6230 |
| 9 | Joshua Wallis at Comparion Insurance Agency | 4575 Valley Commons Dr Suite 203 | (406) 200-6637 |
| 10 | Marsh McLennan Agency | 1105 E Main St | (406) 586-3351 |
Proper Insurance Services serves the Bozeman, Montana, metro area as a local flood insurance agent. The company helps property owners obtain coverage against flood damage, a critical need in this region's floodplain zones. Working with the National Flood Insurance Program and private carriers, it assists homeowners, renters, and businesses with policy evaluations and filing claims. Its specific services include flood risk assessments for residential properties and guidance on commercial flood insurance applications in the Gallatin County area.
Brad Daws - State Farm Insurance Agent in Bozeman, MT offers a full range of flood insurance services for residential and commercial property owners. Its service plans include policy reviews to ensure adequate coverage based on current flood zone maps and risk assessments, as well as assistance with filing claims after water damage events. Regular maintenance guidance helps clients understand building adjustments to reduce future risks. The agency services single-family homes, apartments, retail spaces, and restaurants throughout the Bozeman area.
Insurance Unlimited of Bozeman assists homeowners, businesses, and property managers in securing flood insurance policies to protect against water damage. As a designated flood insurance agent, it helps clients navigate federal program requirements and assess their property’s flood risk in the local area. Coverage options are explained clearly, ensuring each customer understands the policy details before purchase. In addition to serving Bozeman, the agency also offers its flood insurance services to clients in the surrounding community of Belgrade within the same metro region.
Big Sky Insurance Lanphear Agency serves Bozeman, Montana, and the surrounding Gallatin Valley communities, handling flood insurance policies for property owners in this mountain region. It assists clients in understanding their risk of water damage from heavy snowmelt, spring runoff, and sudden downpours common to the area. The agency guides customers through the flood insurance application process, helping them select coverage that meets standard federal and local requirements. For a typical job, it begins by reviewing a property’s flood zone designation and then comparing appropriate policy options.
Bridger Insurance Agency specializes in securing flood insurance policies, helping clients obtain coverage for structures and personal property against rising waters. It also provides guidance, explaining federal program requirements and policy exclusions to homeowners and renters in Bozeman, Montana. Evaluating local flood zone maps allows the agency to clarify risks and coverage options for the Bridger Creek area. This assistance proves especially valuable when spring snowmelt threatens the Gallatin River and its tributaries with potential overflow.
In the spring, melting snow can put Bozeman properties at risk of water damage, and Maxwell McDonough at Comparion Insurance Agency offers coverage tailored to local flood hazards. As a dedicated flood insurance agent, they assist homeowners in understanding their policies and securing protection against seasonal runoff and heavy rains. Their focus is on guiding clients through the application process with clear explanations of options. A typical first step involves scheduling a property assessment to evaluate exposure and discuss tailored coverage needs.
Western Horizon Insurance LLC in Bozeman, MT helps property owners manage financial risks related to water damage from storms and snowmelt. The agency specializes in flood insurance coverage that can be added to existing property policies. Flood protection addresses the specific threats faced by structures in the Gallatin Valley and surrounding areas. Commercial clients can secure coverage for their office spaces, warehouse buildings, and food service establishments.
Bissell Insurance Agency in Bozeman, MT provides flood insurance that differs between a single application for a specific event and an ongoing policy requiring annual renewal for continuous protection. Coverage typically includes structural damage and personal property loss caused by rising waters, with policies issued through government or private carriers. Service runs on either a one-time basis for immediate quotes or an as-needed schedule to update existing plans as flood maps change.
Joshua Wallis at Comparion Insurance Agency serves residential clients in Bozeman, MT, by helping them secure flood coverage for their homes and personal property. The agency also offers commercial flood insurance policies for local businesses and properties in the surrounding area. Attention is given to policy details and coverage limits to meet individual needs. The office encourages clients to follow up for annual policy reviews or after property changes between regular visits, ensuring their protection remains current.
Marsh McLennan Agency in Bozeman, Montana provides residential flood insurance to help homeowners protect their property from water damage. Commercial coverage is also offered for businesses in and around the Gallatin Valley area. Policies address the specific flood risks common to this region. The agency can assist with initial applications as well as mid-term adjustments when property conditions change. Clients are reminded to review their coverage periodically between regular visits to ensure adequate protection remains in place.
What Does a a Flood Insurance Agent in Bozeman Cost?
Flood insurance costs in Montana vary widely based on flood zone, elevation, and building characteristics. In Bozeman, an NFIP policy for a single-family home in a high-risk zone typically ranges from 700 to 2,000 dollars per year. Lower-risk Zone X policies may cost under 500 dollars annually. Private flood insurance may offer different rates. This is general information and not insurance advice.
About flood insurance agents in Bozeman
Flood insurance agents in Bozeman help property owners secure coverage through the National Flood Insurance Program or private insurers. Montana law does not require flood insurance, but lenders often mandate it for properties in high-risk flood zones. Bozeman properties near creeks or Gallatin River tributaries may face elevated flood risk.
Frequently Asked Questions
Do I need flood insurance in Bozeman Montana?
Montana law does not require flood insurance. However, if your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will require it. Even outside high-risk zones, flood damage is not covered by standard homeowners insurance.
How do I find a flood insurance agent in Bozeman?
Look for licensed insurance agents in Gallatin County who offer NFIP policies. The Montana Department of Insurance website provides a list of licensed agents. Agents familiar with local flood zones can help you assess your risk and choose appropriate coverage.
What flood zones affect Bozeman properties?
Bozeman has areas in Zone A and Zone AE near East Gallatin River and Bridger Creek. Zone X areas are moderate to low risk. Your agent can review FEMA Flood Insurance Rate Maps for your specific address to determine the zone and required coverage.
Flood Insurance Agents in Other Montana Cities
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