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Compare flood insurance agents in Scotia. Review contact information and insurance categorys before you decide.
7 agents listed
Updated May 2026
Scotia, NY
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 York before hiring.
Showing 7 flood insurance agents in Scotia, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Rowledge & Falvo Insurance Agency
139 Mohawk Ave, Scotia, NY 12302
(518) 374-8453
rowledge.com
State Farm Insurance
481 Saratoga Rd, Scotia, NY 12302
(518) 399-8534
statefarm.com
Charlie Palmer - State Farm Insurance Agent
119 Mohawk Ave, Scotia, NY 12302
(518) 372-5539
charliepalmerinsurance.com
The DePaulo Agency, Inc.
2 Windsor Dr, Scotia, NY 12302
(518) 372-7477
depauloagency.com
Scautub Agency LLC
108 N Ballston Ave, Scotia, NY 12302
(518) 346-3427
scautub.com
State Farm
119 Mohawk Ave, Scotia, NY 12302
(518) 372-5539
OneGroup
113 Saratoga Rd # 200, Scotia, NY 12302
(315) 457-1830
onegroup.com
Scotia New York is located near the Mohawk River and faces flood risks from heavy rain and snowmelt. A licensed flood insurance agent in Scotia can help you understand the National Flood Insurance Program and New York state requirements. Many properties in Scotia are in designated flood zones where flood insurance is mandatory for mortgage holders.
What Does a Flood Insurance Agent in Scotia Cost?
In New York, flood insurance premiums through the NFIP average between 700 and 1,500 dollars per year for a standard home. Private flood insurance may cost more or less depending on your property risk and coverage level. Costs vary by flood zone, elevation, and building characteristics. This is general information and 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 Scotia New York?
If your property is in a Special Flood Hazard Area as shown on FEMA flood maps, your mortgage lender will require flood insurance. Even outside high-risk zones, flood insurance is recommended because 20 percent of flood claims come from low-risk areas.
How do I find a flood insurance agent in Scotia?
You can search the New York State Department of Financial Services website for licensed agents in Schenectady County. Local independent insurance agencies in Scotia also offer flood insurance policies through the NFIP and private carriers.
What does flood insurance cover in New York?
Standard flood insurance covers structural damage to your home and belongings up to policy limits. It does not cover basement improvements or temporary housing costs. New York law requires agents to clearly explain coverage limits and exclusions.
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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 York.