The top-rated flood insurance agent in Ithaca, New York is Zach Clark - State Farm Insurance Agent, rated 5.0 stars across 382 reviews. Other highly rated options include Nick Romo - State Farm Insurance Agent, Adam Megivern - State Farm Insurance Agent, Bailey Place Insurance. This directory lists 19 flood insurance agents serving Ithaca.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Zach Clark - State Farm Insurance Agent | 832 Hanshaw Rd | (607) 257-8900 |
| 2 | Nick Romo - State Farm Insurance Agent | 309 N Tioga St | (607) 256-2886 |
| 3 | Adam Megivern - State Farm Insurance Agent | 2359 N Triphammer Rd Ste 1B | (607) 216-9045 |
| 4 | Bailey Place Insurance | 2428 N Triphammer Rd | (607) 319-0094 |
| 5 | Freeway Insurance | 722 S Meadow St | (607) 319-7016 |
| 6 | Kris Yelverton - State Farm Insurance Agent | 401 Elmira Rd Suite 6 | (607) 229-1111 |
| 7 | Andrews Agency Insurance | 804 W State St | (607) 273-7551 |
| 8 | Warren Insurance Agency | 223 Elmira Rd | (607) 277-0267 |
| 9 | State Farm: Lee Newhart Jr | 1011 W State St | (607) 273-6391 |
| 10 | Security Mutual Insurance Co | 2417 N Triphammer Rd | (607) 257-5000 |
Zach Clark - State Farm Insurance Agent in Ithaca, NY, provides a full range of flood insurance services, including policy evaluations and support for claims. The agency offers ongoing maintenance of client policies to ensure coverage remains aligned with changing flood maps and property values. It helps clients navigate the complexities of federal and private flood programs for clear, factual guidance. The insurance services cover single-family homes, apartment buildings, retail spaces, and restaurants.
Nick Romo - State Farm Insurance Agent serves the Ithaca, New York area and provides flood insurance coverage for local homeowners and businesses. Flood insurance is an important consideration for properties located near the lake or creeks, as standard home policies do not cover flood damage. The agency helps clients evaluate their flood risk and select appropriate policies. This office handles claims assistance and policy adjustments for residential and commercial flood insurance in the Ithaca region.
Homeowners, businesses, and property managers in the Ithaca, NY area can turn to Adam Megivern - State Farm Insurance Agent for flood insurance coverage. The agency helps clients assess their flood risk and select appropriate policies. Understanding flood zone requirements and protection limits is important for local properties near bodies of water. The service also extends to surrounding communities in Tompkins County, including the nearby Cayuga Lake shoreline and Dryden.
Bailey Place Insurance serves Ithaca, New York, and the surrounding communities in Tompkins County. As a flood insurance agent, the company handles policies for both residential and commercial properties located in designated flood zones. It provides guidance on federal flood insurance program requirements, helping clients understand coverage limits and structural elevation documents. In a typical job, the agency works closely with homeowners to gather property flood hazard data and coordinate policy details before the start of a storm season.
Specializing in flood insurance options, Freeway Insurance serves property owners in and around Ithaca, New York. Its general services include assessing individual flood risks and explaining coverage for residential and commercial structures. The agent works primarily with policies from National Flood Insurance Program providers. Given the seasonal heavy rains and snowmelt that frequently affect nearby creeks and low-lying areas around Cayuga Lake, the office often helps clients secure coverage before spring thaw or a hurricane season advisory.
Kris Yelverton - State Farm Insurance Agent in Ithaca, NY provides flood insurance solutions that address both one-time claims assistance and recurring policy management. Coverage typically protects residential and commercial properties from water damage due to rising rivers, heavy rainfall, or seasonal flooding common in the Finger Lakes region. The agent helps clients understand policy limits, deductibles, and the National Flood Insurance Program rules. Service for existing and new clients runs on an as-needed basis, with availability for policy reviews, quotes, and claims support whenever requested.
Andrews Agency Insurance specializes in helping property owners in Ithaca, New York, secure flood insurance coverage. The agency works with clients to find policies that address risks posed by local waterways and seasonal weather patterns. It also provides general insurance services tailored to the community. Navigating federal flood insurance requirements can be complex, and this agency helps clarify available options. Homeowners and renters often seek guidance before the spring thaw or after a significant storm event.
With Ithaca’s freeze-thaw cycles and heavy lake-effect snow, spring thaws can overwhelm local drainage systems. Warren Insurance Agency serves property owners throughout Ithaca, NY by reviewing standard homeowners policies for flood coverage gaps. The agency focuses on flood insurance options that address the particular risks of nearby Cayuga Lake and the region’s creeks. A typical first step is a property inspection on site, where an agent assesses the building’s elevation and local flood zone data before recommending coverage levels.
State Farm: Lee Newhart Jr offers residential flood insurance coverage for homes in Ithaca, New York. Commercial flood insurance policies are also available to protect local businesses throughout the Tompkins County area. A licensed flood insurance agent provides guidance on choosing appropriate coverage limits and navigating National Flood Insurance Program requirements. After an initial policy is issued, clients can return for annual reviews to adjust coverage as flood risks change or property values fluctuate between regular visits.
Security Mutual Insurance Co in Ithaca, NY assists property owners with general insurance needs and specializes in flood insurance protection for homes and businesses. The agency helps clients navigate National Flood Insurance Program options, covering risks from heavy rainfall and nearby waterways common to the Finger Lakes region. Its commercial clients include offices needing inventory and equipment coverage, warehouses requiring flood safeguards, and food service operations vulnerable to water damage from storms.
What Does a a Flood Insurance Agent in Ithaca Cost?
Flood insurance premiums in New York depend on factors such as flood zone designation, building elevation, and deductible choice. For an NFIP policy in Ithaca, average annual costs are between 700 and 2,500 dollars, but high-risk properties near water may exceed 4,000 dollars. Private market policies can sometimes be cheaper or offer higher limits. This is general information and not insurance advice. Always consult a licensed agent for a personalized quote.
About flood insurance agents in Ithaca
Flood insurance agents in Ithaca, New York help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Because Ithaca is located near Cayuga Lake and several creeks, properties in flood zones may require a policy to satisfy mortgage requirements. New York law does not mandate flood insurance for all homeowners, but lenders often require it for properties in high-risk areas.
Frequently Asked Questions
Do I need flood insurance in Ithaca New York?
Flood insurance is not required by New York state law for all properties. However, if your home is in a Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, your lender will likely require it. Even outside high-risk zones, flooding can occur, so many homeowners choose coverage for peace of mind.
What does a flood insurance agent in Ithaca do?
A flood insurance agent helps you assess your flood risk, compare NFIP and private policies, and complete the application. They can also explain elevation certificates and how New York building codes affect your premium. Agents do not provide legal advice but can guide you on coverage options.
How much does flood insurance cost in Ithaca New York?
Costs vary based on your property's flood zone, elevation, and coverage amount. For an NFIP policy in Ithaca, typical annual premiums range from 700 to 2,500 dollars for a standard home. Private insurers may offer different rates. Your agent can provide a specific quote after reviewing your property details.
Flood Insurance Agents in Other New York Cities
Albany · Bay Shore · Binghamton · Bronx · Brooklyn · Buffalo · Cheektowaga · Cicero · Clifton Park · Commack · Deer Park · East Meadow · East Northport · Fairport · Franklin Square