The top-rated flood insurance agent in Bismarck, North Dakota is Roberta Storm - State Farm Insurance Agent, rated 4.9 stars across 228 reviews. Other highly rated options include Farmers Insurance - Kyle Herman, Renae Haug - State Farm Insurance Agent, Shane Splonskowski Agency Inc American Family Insurance. This directory lists 20 flood insurance agents serving Bismarck.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Roberta Storm - State Farm Insurance Agent | 116 S Hannifin St | (701) 258-0123 |
| 2 | Farmers Insurance - Kyle Herman | 1022 E Divide Ave Ste C | (701) 255-3655 |
| 3 | Renae Haug - State Farm Insurance Agent | 1471 Interstate Loop #1 | (701) 255-4433 |
| 4 | Shane Splonskowski Agency Inc American Family Insurance | 1830 E Century Ave suite 6 | (701) 258-5454 |
| 5 | Professional Insurance Services | 1155 Burlington Dr suite a | (701) 224-9945 |
| 6 | Bain Agency | 1500 E Capitol Ave | (701) 223-2233 |
| 7 | A & M Insurance Agency | 1401 Skyline Blvd #220 | (701) 250-6417 |
| 8 | Steffes Agency | Central Ave Hazen, 1155 Burlington Dr Suite B 213 | (701) 255-6144 |
| 9 | Gateway Insurance | 4501 Coleman St Suite 108 | (701) 223-5812 |
| 10 | Kramer Agency | 232 W Century Ave | (701) 255-4502 |
Roberta Storm's State Farm Insurance Agency serves the Bismarck, North Dakota metro area as a flood insurance agent. The agency helps residential and commercial property owners understand their flood risk and secure appropriate policies. Flood coverage is often required for homes in mapped flood zones within the Bismarck region. The company also assists clients in reviewing existing plans to ensure adequate protection. Services handled include evaluating flood exposure and processing new policy applications for local properties.
Farmers Insurance - Kyle Herman provides flood insurance agent services for property owners in Bismarck, North Dakota. It offers guidance on federal flood insurance policies and helps clients assess their flood risk exposure. The company assists with policy renewals and claims support during flood events. It services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Renae Haug - State Farm Insurance Agent serves homeowners, businesses, and property managers in Bismarck, North Dakota, seeking flood insurance policies. As a local agent, the company assists clients in evaluating their flood risk and selecting appropriate coverage for their structures and contents. The office helps property owners understand policy details, including waiting periods and coverage limits. They guide customers through the application process for both federal and private flood insurance options. Renae Haug also provides flood insurance services to residents and businesses in nearby Mandan.
Serving Bismarck, North Dakota, and the surrounding communities of Mandan and Lincoln, Shane Splonskowski Agency Inc American Family Insurance handles residential and commercial flood insurance policies. The agency works to protect property owners from the financial risks posed by local flood events and rising water. It assesses each client’s exposure to flooding and reviews available federal and private coverage options. To manage a typical job, the agency begins by analyzing the property’s flood zone designation and then recommends a policy that meets the specific needs of the homeowner or business.
Flood insurance requires a one-time policy purchase to secure a single property against rising water, while ongoing protection renews annually to maintain continuous coverage for changing flood zones. Professional Insurance Services in Bismarck, ND helps clients understand these options and obtain policies from the National Flood Insurance Program to safeguard homes and businesses. Coverage includes structure and contents, with claims handled according to federal guidelines. Service for new policies and renewals runs on an as-needed basis.
Spring melt and heavy rains often threaten homes across the Bismarck area, making flood insurance a critical safeguard. Bain Agency provides coverage options tailored to local floodplain requirements, helping property owners understand their risk and policy choices. As a dedicated flood insurance agent, the firm guides clients through federal program parameters and supplemental coverage needs. The process begins with a thorough inspection of the property’s elevation and flood zone designation to determine accurate premium rates and appropriate protection limits.
A & M Insurance Agency provides comprehensive guidance to clients as a flood insurance agent in Bismarck, ND, by assessing individual property risks associated with regional weather patterns. The company also specializes in tailoring flood coverage limits to ensure adequate financial protection for residential and commercial real estate. Its services extend to serving local offices that need continuity protection, warehouses prone to surface water damage, and food service establishments requiring coverage for equipment and inventory.
Steffes Agency specializes in assisting property owners with flood insurance policies tailored to the unique risks of the Bismarck region. The agency works to guide clients through coverage options, ensuring they understand policy details and flood zone requirements. Seasonal shifts, including spring snowmelt and heavy summer rains, frequently raise water levels along the Missouri River, creating increased flooding concerns for local homes and businesses. It addresses such situational threats by helping policyholders review and update their coverage before the high-water season arrives.
Gateway Insurance in Bismarck, North Dakota connects residential property owners with flood insurance policies that address specific needs in the region. The agent also advises commercial clients on protecting buildings and inventory from water damage throughout the Bismarck area. Standard quotes and policy options are based on local flood zone maps and federal requirements. After a policy is issued, the agent provides ongoing support for claims questions and plan adjustments before annual renewal reviews.
Kramer Agency in Bismarck, North Dakota, is known for assisting property owners with securing coverage against flood damage from the Missouri River and local tributaries. Its service range addresses the specific needs of residences and commercial buildings located in designated flood zones within the area. Flood insurance agents here evaluate a property’s risk level and guide clients through the complex National Flood Insurance Program. An added specialty service is providing tailored advice on elevating structures and mechanical systems to comply with modern floodplain regulations.
What Does a a Flood Insurance Agent in Bismarck Cost?
Typical flood insurance costs in North Dakota range from 400 to 1,200 dollars per year for an NFIP policy. Premiums depend on your property's flood zone elevation and building characteristics. Private market policies may cost more or less. This is general information not insurance advice.
About flood insurance agents in Bismarck
Flood insurance agents in Bismarck North Dakota help property owners protect against flood damage from the Missouri River and local drainage issues. North Dakota law requires flood insurance for properties in high-risk zones with a federally backed mortgage. These agents guide you through National Flood Insurance Program policies and private market options.
Frequently Asked Questions
Do I need flood insurance in Bismarck North Dakota?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage you are required to have flood insurance. Even outside high-risk zones flooding can occur so many residents choose coverage for peace of mind.
What does a flood insurance agent in Bismarck do?
A flood insurance agent helps you assess your flood risk determine the correct coverage amount and apply for a policy through the NFIP or a private insurer. They also explain waiting periods deductibles and elevation certificate requirements.
How long does it take for flood insurance to start in North Dakota?
Standard NFIP policies have a 30-day waiting period before coverage begins. Exceptions exist for loans closing or map changes. Your agent can advise on timing to avoid gaps in coverage.
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