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Find Flood Insurance Agents Near You in Rochester, NH

Browse flood insurance agents serving Rochester, New Hampshire. Updated 2026-07-14.

The top-rated flood insurance agent in Rochester, New Hampshire is Bernier Insurance Agency, rated 4.9 stars across 122 reviews. Other highly rated options include Keslar Insurance Agency - Rochester Office, Kevin Ryan - State Farm Insurance Agent, Fleury and Associates LLC. This directory lists 15 flood insurance agents serving Rochester.

Showing 15 flood insurance agents in Rochester, NHListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Bernier Insurance Agency32 Wakefield St(603) 335-2345
2Keslar Insurance Agency - Rochester Office16 N Main St(603) 602-1112
3Kevin Ryan - State Farm Insurance Agent197 Columbus Ave Ste 106(603) 332-5200
4Fleury and Associates LLC1 Windhaven Dr(603) 973-9561
5Michael Testa - State Farm Insurance Agent73 Pickering Rd Ste 202-F(603) 332-4444
6Hi Rise Insurance12 Charles St(603) 332-1983
7Bernier Insurance Inc: Bowley Pauline32 Wakefield St # 1268(603) 335-2345
8Peggy Lynch - State Farm Insurance Agent147 Wakefield St(603) 332-1191
9Jenness & Jenness Agency663 Pickering Rd(603) 332-3030
10Great Insurance New Hampshire95 S Main St(603) 605-8087
BI
32 Wakefield St
Bernier Insurance Agency
Flood Insurance Agent · Rochester, NH

Bernier Insurance Agency serves the Rochester, New Hampshire, area as a dedicated flood insurance agent. It helps homeowners and renters secure coverage that protects against rising water and storm-related flooding. The agency focuses on matching clients with policies offered through the federal National Flood Insurance Program. It also explores options for supplemental coverage beyond NFIP limits. Bernier Insurance Agency handles standard flood policies for single-family homes and helps with rental property flood protection.

KI
16 N Main St
Keslar Insurance Agency - Rochester Office
Flood Insurance Agent · Rochester, NH

Keslar Insurance Agency - Rochester Office serves homeowners, businesses, and property managers in Rochester, New Hampshire, by helping them secure flood insurance policies. The agency assists clients in obtaining coverage that protects properties from damage caused by rising waters and storm surges. Flood insurance agents in this area work with both federal and private insurers to find appropriate plans for different risk levels. The agency also extends its services to property owners in the surrounding portion of Strafford County, including the nearby community of Dover.

KR
197 Columbus Ave Ste 106
Kevin Ryan - State Farm Insurance Agent
Flood Insurance Agent · Rochester, NH

Kevin Ryan, a flood insurance agent in Rochester, NH, provides a full range of services including policy consultations, risk assessments, and claims assistance. He offers annual policy reviews and flood map updates to ensure coverage remains adequate as flood zones change. His maintenance plans involve monitoring changes in federal flood regulations and adjusting policies accordingly. He services single-family homes, apartments, retail properties, and restaurants in the Rochester area.

FA
1 Windhaven Dr
Fleury and Associates LLC
Flood Insurance Agent · Rochester, NH

Serving Rochester, New Hampshire, and the surrounding communities, Fleury and Associates LLC handles flood insurance needs for local property owners. It assists with securing policies that address risks from seasonal storms, snowmelt, and nearby waterways. The agency evaluates each property’s flood zone history and coverage requirements to find appropriate protection. It typically reviews existing policies and local flood maps, then recommends specific coverage options suited to the property’s exposure and the client’s budget.

MT
73 Pickering Rd Ste 202-F
Michael Testa - State Farm Insurance Agent
Flood Insurance Agent · Rochester, NH

Unlike many flood insurance options that require a single purchase for a specific event, Michael Testa - State Farm Insurance Agent in Rochester, NH, offers coverage under a standard policy that renews annually. This recurring structure protects homes and businesses from ongoing flood risks, which are common in New Hampshire due to seasonal storms and snowmelt. Coverage is tailored to ensure structures and contents have financial protection against rising water. The service operates on a scheduled, yearly renewal basis, meaning a policy is automatically renewed unless the insured requests a change.

HR
12 Charles St
Hi Rise Insurance
Flood Insurance Agent · Rochester, NH

As a flood insurance agent serving the Rochester, New Hampshire, area, Hi Rise Insurance specializes in securing policies that cover rising water damage, a peril excluded from standard homeowners insurance. General work includes assessing property risk and explaining coverage limits, helping homeowners and business owners protect their assets. Each policy is reviewed to address flood zone designations and local claims history. This service is especially valuable after heavy spring thaws or prolonged summer rain events, when runoff can overwhelm drainage systems and threaten basements and foundations.

BI
32 Wakefield St # 1268
Bernier Insurance Inc: Bowley Pauline
Flood Insurance Agent · Rochester, NH

Bernier Insurance Inc: Bowley Pauline provides flood insurance coverage for properties in the Rochester, NH area, working to help clients protect against water damage from storms or rising water. The agency specializes in securing flood policies, including supplements for basements and personal contents. It offers services to single-family homeowners and also extends its expertise to commercial sectors, covering offices, warehouses, and food service operations.

PL
147 Wakefield St
Peggy Lynch - State Farm Insurance Agent
Flood Insurance Agent · Rochester, NH

As snowmelt and Nor‘easter rains are common in Rochester, many homeowners seek protection against potential water damage. Peggy Lynch - State Farm Insurance Agent helps local clients address these concerns by offering flood coverage tailored to individual property needs. Operating in the Lakes Region and coastal New Hampshire area, this agency provides guidance on policy details such as deductibles and coverage limits. Homeowners can schedule an in-person or virtual discussion to review their specific flood risk and begin the initial property assessment step.

JJ
663 Pickering Rd
Jenness & Jenness Agency
Flood Insurance Agent · Rochester, NH

Jenness & Jenness Agency serves Rochester, New Hampshire, and the surrounding area, assisting homeowners with flood insurance to protect their primary residences. They also provide commercial coverage for local businesses that require protection against water damage from storms or rising waters. The agency evaluates property flood risks and helps clients select appropriate policies from available plans. They offer follow-up service when policies need renewal or adjustments, and they encourage clients to return between regular visits for any changes in coverage requirements.

GI
95 S Main St
Great Insurance New Hampshire
Flood Insurance Agent · Rochester, NH
UI
120 Washington St #201
United Insurance
Flood Insurance Agent · Rochester, NH
(603) 332-3700
unitedinsurance.net/locations/rochester/55/location
BI
12 Milton Rd
Branyen Insurance Agency
Flood Insurance Agent · Rochester, NH
(603) 994-8383
branyeninsurance.com
LH
12 Charles St
Lachapelle & Higgins Insurance Inc: Higgins Timothy
Flood Insurance Agent · Rochester, NH
(603) 332-1983
landhinsurance.com
GI
60 Wakefield St
Great Insurance Agency NH
Flood Insurance Agent · Rochester, NH
SF
60 Rochester Hill Rd STE 1
Straight Forward Life & Annuity
Flood Insurance Agent · Rochester, NH
(603) 948-2800
sflifeandannuity.com

What Does a a Flood Insurance Agent in Rochester Cost?

Typical flood insurance costs in New Hampshire range from $500 to over $2,000 per year depending on flood zone, deductible, and property value. For example, a home in a low-risk zone might pay around $600 annually, while a high-risk coastal or riverine property could exceed $1,500. Elevation certificates and building age also affect premiums. This is general information and not insurance advice.

About flood insurance agents in Rochester

Flood insurance agents in Rochester, New Hampshire help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Rochester is located near the Cocheco River and is subject to flood risks, making flood insurance important for many homeowners. New Hampshire law does not require flood insurance, but mortgage lenders often mandate it for properties in Special Flood Hazard Areas.

Frequently Asked Questions

Do I need flood insurance in Rochester New Hampshire?

Flood insurance is not required by New Hampshire state law. However, if your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will likely require it.

What does a flood insurance agent do in Rochester?

A flood insurance agent evaluates your property's flood risk, explains NFIP and private policy options, and helps you choose coverage limits. They also assist with filing claims and understanding elevation certificates.

How much does flood insurance cost in New Hampshire?

Costs vary widely based on flood zone, elevation, and building characteristics. In New Hampshire, NFIP policies average around $700 to $1,200 per year for standard coverage, but high-risk properties may pay more. Private policies can offer different rates.

Flood Insurance Agents in Other New Hampshire Cities

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.