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Directory of flood insurance agents in St James, New York. Verify credentials with the state department of insurance before hiring.
8 agents listed
Updated May 2026
St James, 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 8 flood insurance agents in St James, 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.
James Winter - State Farm Insurance Agent
312 Lake Ave, St James, NY 11780
(631) 981-1000
jamesjwinter.com
Thomas Maher: Allstate Insurance
462 Moriches Rd, St James, NY 11780
(631) 686-5177
agents.allstate.com
Christian Gregory: Allstate Insurance
872 Middle Country Rd, St James, NY 11780
(631) 265-5800
agents.allstate.com
Jim Winter - State Farm Insurance Agent
312 Lake Ave, St James, NY 11780
(631) 584-5929
jameslwinter.com
Tim Fleming: Allstate Insurance
419 N Country Rd Ste 1, St James, NY 11780
(631) 208-5266
agents.allstate.com
Dowling Knipfing Klein Insurance
500 Lake Ave, St James, NY 11780
(631) 584-6222
dkkins.com
Larry Darcey: Allstate Insurance
872 Middle Country Rd, St James, NY 11780
(631) 265-5800
agents.allstate.com
CSI Insurance Agency
271 Lake Ave, St James, NY 11780
(631) 257-5522
csiinsagency.com
Flood insurance agents in St James New York help homeowners and businesses secure coverage through the National Flood Insurance Program and private insurers. New York state law requires flood insurance for properties in high-risk zones designated by FEMA maps. An agent can explain policy limits and the 30-day waiting period before coverage takes effect.
What Does a Flood Insurance Agent in St James Cost?
In New York, flood insurance premiums through the NFIP typically range from 700 to 2,500 dollars per year for standard residential policies. Costs depend on flood zone, building elevation, deductible, and coverage amount. Private market policies may offer different pricing. 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 St James do?
A flood insurance agent in St James helps you assess your flood risk and choose a policy that meets your needs. They guide you through the application process and explain coverage details like building and contents protection. Agents also advise on flood zone designations and elevation certificate requirements.
Is flood insurance required for homes in St James New York?
Flood insurance is required by federal law for properties in high-risk flood zones with a mortgage from a federally regulated lender. In St James, many areas near Stony Brook Harbor and the Nissequogue River are designated as Special Flood Hazard Areas. Even if not required, coverage is recommended for all properties.
How long does it take for a flood insurance policy to start in New York?
Standard flood insurance policies from the NFIP have a 30-day waiting period from the date of application before coverage begins. Exceptions exist for loans closing on a property or map changes. Private flood insurance policies may have different effective dates.
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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.