ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare flood insurance agents in Troy. Review contact information and insurance categorys before you decide.
12 agents listed
Updated May 2026
Troy, 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 12 flood insurance agents in Troy, 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.
Mick Butler - State Farm Insurance Agent
961 Hoosick Rd, Troy, NY 12180
(518) 237-6425
mickbutlerinsurance.com
Kelly McGrath - State Farm Insurance Agent
233 N Greenbush Rd, Troy, NY 12180
(518) 272-7000
mcgrathagency.com
Attanasio Agency, LLC
235 Pawling Ave, Troy, NY 12180
(518) 266-0311
attanasioagency.com
John Loughlin - State Farm Insurance Agent
160 Oakwood Ave, Troy, NY 12180
(518) 266-9965
johnloughlininsurance.com
Freeway Insurance
351 Broadway, Troy, NY 12180
(518) 520-0450
locations.freeway.com
Culnan Insurance Agency LLC
16C N Greenbush Rd, Troy, NY 12180
(518) 326-1191
culnanagency.com
Wm. J. Fagan & Sons, Inc
15 1st St, Troy, NY 12180
(518) 272-3471
faganandsons.com
Brundige Insurance Agency
8 Grange Rd, Troy, NY 12180
(518) 279-1940
frontageinsurance.com
De Genero Insurance
225 N Greenbush Rd, Troy, NY 12180
(518) 283-1164
degeneroinsurance.com
Insurance Depot
639 Pawling Ave, Troy, NY 12180
(518) 279-1190
Bright Line Insurance NY
615 Pawling Ave, Troy, NY 12180
(518) 394-1808
Schmidt Agency, Inc
321 Farm to Market Rd, Troy, NY 12180
(518) 283-2201
schmidtagency.com
Flood insurance agents in Troy, New York help property owners secure coverage through the National Flood Insurance Program and private insurers. New York law requires flood insurance for properties in high-risk zones designated by FEMA. Agents in Troy can explain local flood maps and policy options for homes and businesses.
What Does a Flood Insurance Agent in Troy Cost?
Flood insurance costs in Troy, New York vary by property elevation, flood zone, and coverage amount. NFIP policies average around $700 to $1,200 per year for standard coverage, but high-risk properties can cost $2,000 or more. Private flood insurance may offer lower rates or higher limits. This is general information, 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
Is flood insurance required in Troy New York?
Flood insurance is required by federal law for properties in high-risk flood zones with a federally backed mortgage. New York state does not mandate flood insurance outside of these zones, but agents recommend it for all properties near the Hudson River or other waterways.
What does a flood insurance agent in Troy do?
A flood insurance agent helps you compare NFIP and private flood policies, complete the application, and understand coverage limits. They also assist with elevation certificates and claims filing after a flood event.
How long does it take to get flood insurance in Troy?
NFIP policies have a 30-day waiting period before coverage begins, unless the policy is required for a mortgage closing. Private insurers may offer shorter waiting periods. An agent can explain the timeline for your specific situation.
Free • No Obligation
Compare Flood Insurance Agents
Get matched with agents in Troy who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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.