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Directory of flood insurance agents in Smithtown, New York. Verify credentials with the state department of insurance before hiring.
17 agents listed
Updated May 2026
Smithtown, 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 17 flood insurance agents in Smithtown, 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.
Jennifer O'Brien - State Farm Insurance Agent
550 Smithtown Bypass 2nd Fl Suite 114, Smithtown, NY 11787
(631) 724-0002
insurewithjenn.com
Joe Aguirre - State Farm Insurance Agent
61 W Main St, Smithtown, NY 11787
(631) 265-3880
smithtownagent.com
Lynne Barnhardt - State Farm Insurance Agent
58 N Country Rd, Smithtown, NY 11787
(631) 265-5030
lynnebarnhardt.com
Philip Forte: Allstate Insurance
310 Maple Ave, Smithtown, NY 11787
(631) 346-6400
agents.allstate.com
Platinum Insurance Group
111 E Main St, Smithtown, NY 11787
(516) 621-2436
platinuminsgroupny.com
Jeff Troiano: Allstate Insurance
25 Manor Rd, Smithtown, NY 11787
(631) 724-2100
agents.allstate.com
Zachary Millian: Allstate Insurance
360 E Jericho Tpke, Smithtown, NY 11787
(631) 656-7856
agents.allstate.com
Takach & Associates, Inc
112 Terry Rd, Smithtown, NY 11787
(631) 366-2774
takachinsurance.com
Antos Agency Inc
158 Terry Rd, Smithtown, NY 11787
(631) 360-3737
antosagencyinc.com
Navigators Insurance
550 Smithtown Bypass STE 202, Smithtown, NY 11787
(631) 724-4989
insnavigator.com
Schaefer Agency Inc. (The)
201 E Main St, Smithtown, NY 11787
(631) 979-7474
Nationwide Insurance: Bagatta Associates Inc.
823 W Jericho Turnpike Suite 1A, Smithtown, NY 11787
(631) 864-1111
bagatta.com
Marluca Insurance
50 Karl Ave #103, Smithtown, NY 11787
(631) 543-2232
BGR Insurance Services
22 Lawrence Ave Suite 308, Smithtown, NY 11787
(631) 647-8488
Long Island Public Adjusters, LLC
34 E Main St Ste 347, Smithtown, NY 11787
(516) 410-0164
longislandpublicadjusters.com
Goosehead Insurance - Douglas and Christopher Delisle
444 NY-111, Smithtown, NY 11787
(631) 546-5289
goosehead.com
Island Agency Inc.
2 Redan Dr, Smithtown, NY 11787
(516) 256-2300
islandagencyinc.com
Flood insurance agents in Smithtown New York help property owners secure coverage through the National Flood Insurance Program and private insurers. New York law requires lenders to mandate flood insurance for properties in high-risk flood zones. Smithtown residents near the Nissequogue River or Long Island Sound may need an agent to assess their specific flood risk and coverage options.
What Does a Flood Insurance Agent in Smithtown Cost?
The cost of flood insurance in Smithtown New York varies by flood zone, property value, and coverage amount. Typical NFIP policies range from 700 to 2,500 per year for standard coverage. Private flood insurance may cost 500 to 1,800 per year for lower-risk properties. Premiums are higher in coastal VE zones. 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
What does a flood insurance agent in Smithtown do?
A flood insurance agent in Smithtown helps you find and purchase a flood insurance policy that meets your needs. They explain New York flood zone maps and NFIP requirements. They also assist with policy renewals and claims questions.
Is flood insurance required in Smithtown New York?
Flood insurance is required by federal law for properties in high-risk flood zones with a federally backed mortgage. Smithtown has areas designated as Zone AE and Zone VE along the coast. Even if not required, many New York homeowners choose flood insurance due to storm surge risk.
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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.