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Directory of flood insurance agents in Somerville, New Jersey. Verify credentials with the state department of insurance before hiring.
4 agents listed
Updated May 2026
Somerville, NJ
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 New Jersey before hiring.
Showing 4 flood insurance agents in Somerville, NJ
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Jason Spraggs - State Farm Insurance Agent
30 Roosevelt Pl, Somerville, NJ 08876
(973) 396-0352
jasonspraggs.com
Marine Agency Corp
34 W Main St #201, Somerville, NJ 08876
(800) 763-4775
marineagency.com
ReliaGuard Insurance NJ
3272 US-22, Somerville, NJ 08876
(908) 460-6749
The Rice Agency
33 W High St, Somerville, NJ 08876
(908) 722-1700 ext. 10
riceagency.com
Flood insurance agents in Somerville, New Jersey help property owners secure coverage through the National Flood Insurance Program or private insurers. New Jersey law requires lenders to mandate flood insurance for properties in Special Flood Hazard Areas. Agents can guide you through elevation certificates and flood zone maps specific to Somerset County.
What Does a Flood Insurance Agent in Somerville Cost?
Typical flood insurance costs in New Jersey range from 700 to 2,500 dollars per year for NFIP policies, depending on flood zone, building elevation, and coverage amount. Private insurers may charge higher premiums but offer broader coverage. Costs vary significantly by property. This is general information, not insurance advice.
* 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 Somerville New Jersey?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required. Even outside high-risk zones, agents often recommend coverage due to heavy rain events common in New Jersey.
How do I choose a flood insurance agent in Somerville?
Look for agents licensed in New Jersey who have experience with NFIP policies and private flood insurance options. Ask about their knowledge of local flood maps and elevation certificate requirements for Somerset County.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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 New Jersey.