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HomeFlood Insurance AgentsNew York › Saratoga Springs

Find Flood Insurance Agents Near You in Saratoga Springs, NY

Browse flood insurance agents serving Saratoga Springs, New York. Updated 2026-07-14.

The top-rated flood insurance agent in Saratoga Springs, New York is Kyle Magne - State Farm Insurance Agent, rated 5.0 stars across 372 reviews. Other highly rated options include Dione Ramsdill - State Farm Insurance Agent, Jenks Family Insurance Agency, LLC, Lubica Mills - State Farm Insurance Agent. This directory lists 19 flood insurance agents serving Saratoga Springs.

Showing 19 flood insurance agents in Saratoga Springs, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Kyle Magne - State Farm Insurance Agent120 West Ave Apartment 102(518) 633-1010
2Dione Ramsdill - State Farm Insurance Agent4286 NY-50(518) 581-7010
3Jenks Family Insurance Agency, LLC11 Ballston Ave(518) 581-1111
4Lubica Mills - State Farm Insurance Agent8 Circular St Suite 3(518) 587-6483
5Todd Harvey Farmers Insurance2 Smith Bridge Rd(518) 693-6893
6Armor Group Insurance Agency340 Broadway Ste 301(518) 952-4296
7Steve Cook - State Farm Insurance Agent6 Franklin Square Ste E(518) 581-8240
8AAA Saratoga26 West Ave(518) 587-8529
9Cote Insurance Agency68 Weibel Ave(518) 587-3303
10Nicole DellaPorta - State Farm Insurance Agent3257 US-9 Ste 4(518) 587-0136
KM
120 West Ave Apartment 102
Kyle Magne - State Farm Insurance Agent
Flood Insurance Agent · Saratoga Springs, NY

Kyle Magne’s State Farm Insurance Agency serves the Saratoga Springs, NY area and provides flood insurance coverage to local homeowners, renters, and business owners. Because the region includes properties near bodies of water and in zones with variable weather patterns, the agency helps clients understand the specific flood risks their properties face. It also assists with policy limits and deductibles tailored to a property’s elevation and flood zone. This agency specifically handles new flood insurance applications for at-risk homes and advises on coverage changes following property modifications.

DR
4286 NY-50
Dione Ramsdill - State Farm Insurance Agent
Flood Insurance Agent · Saratoga Springs, NY

Dione Ramsdill - State Farm Insurance Agent in Saratoga Springs, NY, provides flood insurance coverage designed to protect properties from water damage caused by storms, snowmelt, and overflowing waterways. The agency assists clients in navigating the National Flood Insurance Program and selecting appropriate policy limits and deductibles. Standard service includes reviewing existing coverage to identify potential gaps and explaining policy terms and exclusions. This agent serves single-family homes, apartments, retail stores, and local restaurants throughout the Saratoga Springs area.

JF
11 Ballston Ave
Jenks Family Insurance Agency, LLC
Flood Insurance Agent · Saratoga Springs, NY

Homeowners, businesses, and property managers in the Saratoga Springs, NY region rely on Jenks Family Insurance Agency, LLC for flood insurance coverage. The agency helps clients navigate the complexities of federal flood maps and policy requirements to protect their assets from water damage. As a dedicated flood insurance agent, it provides personalized guidance on selecting appropriate coverage limits and deductibles. The firm also serves clients throughout the neighboring communities of Ballston Spa and Saratoga County, ensuring their flood insurance needs are met locally.

LM
8 Circular St Suite 3
Lubica Mills - State Farm Insurance Agent
Flood Insurance Agent · Saratoga Springs, NY

Serving Saratoga Springs, New York, and the surrounding communities, Lubica Mills State Farm Insurance Agent offers flood insurance coverage. The agency assists property owners with obtaining National Flood Insurance Program policies to protect against water damage. Each client’s property risk and local flood zone are assessed. A standard job begins with a consultation to review the property’s elevation and flood history, then presents coverage options to match the specific needs of the homeowner or business.

TH
2 Smith Bridge Rd
Todd Harvey Farmers Insurance
Flood Insurance Agent · Saratoga Springs, NY

Todd Harvey Farmers Insurance in Saratoga Springs, NY, distinguishes between one-time flood insurance policies for single-event coverage and recurring annual plans that renew automatically for ongoing property protection. Their flood insurance policies safeguard homes and businesses against water damage from rising waters, a common risk in this region. Service operates on either a one-time policy placement basis or a scheduled annual renewal cycle, depending on the client’s preference for continuous or occasional coverage needs.

AG
340 Broadway Ste 301
Armor Group Insurance Agency
Flood Insurance Agent · Saratoga Springs, NY

As a local flood insurance agent, Armor Group Insurance Agency of Saratoga Springs, NY specializes in securing coverage for both residential and commercial properties located in designated flood zones. It provides general insurance services by helping clients assess their specific flood risks and navigate complex federal guidelines for private policies. The agency focuses on protecting homeowners and business owners before seasonal spring thaws and heavy summer storms increase regional flooding threats.

SC
6 Franklin Square Ste E
Steve Cook - State Farm Insurance Agent
Flood Insurance Agent · Saratoga Springs, NY

Steve Cook - State Farm Insurance Agent in Saratoga Springs, NY, provides a full range of property and casualty insurance solutions. Its operations include offering specialized flood insurance coverage for homeowners and businesses in the region. The agency helps clients assess their risk of water damage and secure appropriate policies tailored to local flood zone requirements. It can serve various commercial sectors, including offices, warehouses, and food service establishments.

AS
26 West Ave
AAA Saratoga
Flood Insurance Agent · Saratoga Springs, NY

As Saratoga Springs residents face the steady risk of heavy rain, spring thaws, and nearby waterway runoff that can impact basements and low-lying properties, AAA Saratoga provides local homeowners with flood insurance agency assistance. The company helps clients understand federal flood program requirements and identify appropriate coverage levels for their specific property elevation and flood zone. An initial assessment typically includes a review of the property’s location relative to mapped flood hazards and a discussion of available policy options.

CI
68 Weibel Ave
Cote Insurance Agency
Flood Insurance Agent · Saratoga Springs, NY

Cote Insurance Agency provides comprehensive flood insurance services in Saratoga Springs, New York. It offers guidance on policy selection, coverage assessment, and local flood risk analysis. The agency assists clients with policy renewals and claims filing to ensure ongoing protection. Regular consultations help property owners adjust their plans as needs evolve. The company serves a variety of properties, including single-family homes, apartments, retail spaces, and restaurants in the surrounding area.

ND
3257 US-9 Ste 4
Nicole DellaPorta - State Farm Insurance Agent
Flood Insurance Agent · Saratoga Springs, NY
TM
468 Maple Ave
Thomas McCurry: Allstate Insurance
Flood Insurance Agent · Saratoga Springs, NY
(518) 306-5315
agents.allstate.com/thomas-mccurry-saratoga-springs-ny.html
NI
195 Washington St
Nationwide Insurance: Michael O. Murphy
Flood Insurance Agent · Saratoga Springs, NY
(518) 584-1715
MC
26 Congress St Ste G
Michael Criscione: Allstate Insurance
Flood Insurance Agent · Saratoga Springs, NY
(518) 583-9457
agents.allstate.com/michael-criscione-saratoga-springs-ny.html
VI
35 Henry St
Vivid Insurance Service
Flood Insurance Agent · Saratoga Springs, NY
(518) 594-6731
AS
229 Washington St
ADAMS STATION INSURANCE AGENCY INC
Flood Insurance Agent · Saratoga Springs, NY
(518) 512-5247
adamsstationinsurance.com
FI
3257 US-9 Suite 3
Fragomeni Insurance
Flood Insurance Agent · Saratoga Springs, NY
(518) 584-4200
fragomeni-insurance.com
BC
47 Regatta View Dr
Blue Chip Financial Group
Flood Insurance Agent · Saratoga Springs, NY
(518) 584-8057
1bluechip.com
KI
12 Lake Ave
Karbocus Insurance Agency
Flood Insurance Agent · Saratoga Springs, NY
(518) 583-3333
karbocusinsurance.com
AM
31 Woodlawn Ave
Amsure
Flood Insurance Agent · Saratoga Springs, NY
(518) 584-5300
amsureins.com

What Does a a Flood Insurance Agent in Saratoga Springs Cost?

Flood insurance costs in Saratoga Springs vary widely based on property elevation, flood zone, and coverage amount. For a standard NFIP policy, annual premiums range from about $700 to over $2,000 for high-risk areas. Private policies may offer lower rates for low-risk properties. This is general information and not insurance advice.

About flood insurance agents in Saratoga Springs

Flood insurance agents in Saratoga Springs help property owners secure coverage through the National Flood Insurance Program and private insurers. New York law requires flood insurance disclosure for certain properties in high-risk zones. Agents can guide you on policy limits, deductibles, and the 30-day waiting period before coverage takes effect.

Frequently Asked Questions

Do I need flood insurance in Saratoga Springs?

If your property is in a FEMA-designated Special Flood Hazard Area, your mortgage lender may require flood insurance. Even outside high-risk zones, flooding from heavy rain or snowmelt is possible. An agent can assess your risk and recommend appropriate coverage.

What does flood insurance cover in New York?

Standard flood insurance covers structural damage and contents up to policy limits. It does not cover basement improvements or temporary living expenses. New York state law does not mandate flood insurance for all properties, but it is strongly advised for those near waterways.

How long does it take to get flood insurance in New York?

There is typically a 30-day waiting period from application to coverage start under the National Flood Insurance Program. Exceptions exist if you are closing on a home or refinancing. Private insurers may have different waiting periods, so ask your agent for details.

Flood Insurance Agents in Other New York 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.