The top-rated flood insurance agent in Medford, New York is Elena Kolesnikova - State Farm Insurance Agent, rated 5.0 stars across 336 reviews. Other highly rated options include DCAP Insurance, 112 Group Agency Inc: Allstate Insurance, Keith Burlison: Allstate Insurance. This directory lists 11 flood insurance agents serving Medford.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Elena Kolesnikova - State Farm Insurance Agent | 3249 Rte 112 Building 4 Suite1A | (631) 721-4997 |
| 2 | DCAP Insurance | 2890 NY-112 | (631) 698-2777 |
| 3 | 112 Group Agency Inc: Allstate Insurance | 2096 NY-112 | (631) 307-9010 |
| 4 | Keith Burlison: Allstate Insurance | 3138 Rte 112 | (631) 698-7200 |
| 5 | Mintz Insurance | 2620 NY-112 | (631) 654-2900 |
| 6 | Insurance Agency Medford | 3170a NY-112 | (516) 402-3733 |
| 7 | On Your Team Insurance Agency | 1733 N Ocean Ave | (631) 828-1935 |
| 8 | Jim Salveson - State Farm Insurance Agent | 2604 NY-112 | (631) 289-3974 |
| 9 | Liberty Risk Insurance Agency | 2333 NY-112 | (631) 569-5633 |
| 10 | Lenceski Agency | 3243 NY-112 #1 | (631) 736-4477 |
Elena Kolesnikova - State Farm Insurance Agent serves the Medford, New York, area and surrounding Suffolk County communities. This agency provides flood insurance policies for residential and commercial properties, helping clients understand risk zones and coverage limits. As a flood insurance agent, Elena Kolesnikova’s office assists homeowners and business owners in securing financial protection against water damage from storms or rising waters. The agency handles policy comparisons and claim filing assistance for National Flood Insurance Program plans.
DCAP Insurance serves homeowners, businesses, and property managers in Medford, New York, providing guidance on obtaining flood insurance policies. As a local agency, it helps clients understand the importance of securing coverage that meets community floodplain requirements. The agency works with individuals and commercial entities to identify suitable protection options against potential water damage. This service extends to neighboring communities throughout Suffolk County, including the areas around Patchogue and Holtsville.
112 Group Agency Inc: Allstate Insurance provides personalized guidance for securing residential and commercial flood coverage in Medford, NY. It assists clients with policy selection that protects against storm surge and heavy rainfall damage. The agency offers ongoing support for claim filing and can review existing policies to identify gaps in coverage for local flood zones. Its service plans include annual policy check-ins to adjust limits according to changing property values. The firm services single-family homes, apartments, retail spaces, and restaurants.
Homeowners, business owners, and property managers in Medford, New York rely on Keith Burlison: Allstate Insurance for flood insurance coverage. The agency helps evaluate flood risk based on property location and advises clients on appropriate policy limits. Regular services include explaining National Flood Insurance Program options and assisting with claim filing after storm damage. Coverage considerations also extend to rental properties and commercial structures. The agent also serves communities in nearby Patchogue and the broader Long Island South Shore region.
Mintz Insurance serves Medford, New York, and the surrounding Suffolk County communities. This agency handles flood insurance policies tailored for residential and commercial properties in the area. It assists clients in understanding federal flood zone requirements and comparing available coverage options for their specific needs. By carefully assessing a property’s flood risk and local elevation data, it crafts a policy that provides suitable financial protection. The agency works directly with each client to provide clear explanations of coverage limits and deductibles.
Insurance Agency Medford in Medford, NY distinguishes between providing a single flood insurance policy for immediate protection and offering ongoing coverage with periodic policy reviews. Their plans cover structural damage from rising water, ensuring homeowners and businesses remain financially secure against regional flood risks. Every policy is tailored to local flood zone requirements, helping clients meet lending and regulatory demands. Service runs on a one-time, scheduled, or as-needed basis, allowing clients to choose the timing of renewals and risk assessments.
On Your Team Insurance Agency in Medford, NY, specializes in flood insurance policies for both residential and commercial properties. Its general services include helping clients assess their flood risk and navigate National Flood Insurance Program requirements. The agency also guides homeowners through policy options for protecting belongings and structures against water damage. This assistance becomes particularly valuable during heavy spring rains or after localized storm events when flood risks suddenly increase.
With coastal storms and heavy rain frequently threatening Medford and the surrounding region, having reliable flood coverage is essential. As a dedicated flood insurance agent, Jim Salveson - State Farm Insurance Agent helps property owners understand their specific risks and secure appropriate policies. They evaluate each property’s exposure and guide clients through available options offered under the National Flood Insurance Program. The process begins with a thorough initial assessment of the property’s location and flood zone to determine the most suitable coverage.
Liberty Risk Insurance Agency in Medford, NY, assists property owners with general risk management needs and specializes in flood insurance coverage to protect against storm surge and rising waters. Its agents help clients assess their exposure to local flood hazards and select appropriate policy limits for their structures and contents. The company can serve commercial sectors including offices, warehouses, and food service operations that require consistent coverage for their business assets.
Lenceski Agency assists residential clients in Medford and the surrounding area with securing flood insurance policies tailored to individual home needs. The company also provides commercial coverage for local business properties requiring protection against flood risks. Serving homeowners and business owners throughout the Suffolk County region, agents evaluate property exposure and help clients understand available coverage options. After a policy is issued, the agency maintains contact with clients, offering follow-up assistance and policy reviews between regular visits to ensure coverage remains appropriate.
What Does a a Flood Insurance Agent in Medford Cost?
Typical flood insurance in Medford New York costs between $700 and $2,000 per year for an NFIP policy, though rates vary by flood zone, building elevation, and coverage amount. Private market policies may cost more or less. An agent can provide a quote based on your property details. This is general information, not insurance advice.
About flood insurance agents in Medford
Flood insurance agents in Medford New York help homeowners and businesses secure coverage through the National Flood Insurance Program or private insurers. Medford is in a Special Flood Hazard Area per FEMA maps, so many properties require flood insurance for mortgage compliance. New York law requires lenders to enforce flood insurance for federally backed loans in high-risk zones.
Frequently Asked Questions
Do I need flood insurance if I live in Medford New York?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, you are required to carry flood insurance. Even outside high-risk zones, flooding is possible, and an agent can help you decide.
How do I find a flood insurance agent in Medford?
You can search the NFIP agent locator or ask local real estate professionals for referrals. An agent licensed in New York can explain policy options and flood zone maps specific to Medford.
What does flood insurance cover in New York?
Standard NFIP policies cover building damage and contents up to policy limits. Coverage includes flood water damage from storms, storm surge, and rising water. New York does not require additional state-specific endorsements beyond NFIP rules.
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