The top-rated flood insurance agent in Minot, North Dakota is Jessica Aardahl - State Farm Insurance Agent, rated 5.0 stars across 278 reviews. Other highly rated options include Paul Siebert - State Farm Insurance Agent, Michael A Lucy Agency Inc American Family Insurance, Kim Albert Agency: Allstate Insurance. This directory lists 20 flood insurance agents serving Minot.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jessica Aardahl - State Farm Insurance Agent | 2151 36th Ave SW Suite C | (701) 839-3436 |
| 2 | Paul Siebert - State Farm Insurance Agent | 500 20th Ave SW B | (701) 852-1060 |
| 3 | Michael A Lucy Agency Inc American Family Insurance | 605 31st Ave SW #2 | (701) 852-1078 |
| 4 | Kim Albert Agency: Allstate Insurance | 2825 S Broadway Ste 2 | (701) 852-1460 |
| 5 | Michael E Braun - State Farm Insurance Agent | 816 31st Ave SW Ste A | (701) 838-0713 |
| 6 | Farmers Insurance - Miranda Schuler | 811 S Broadway Ste B | (701) 838-8144 |
| 7 | Donovan Insurance Agency LLP | 1600 2nd Ave SW Ste 15 | (701) 838-0614 |
| 8 | Heritage Insurance Services | 2201 36th Ave SW unit a | (701) 858-7100 |
| 9 | Farmers Insurance - Kellen Latendresse | 304 18th Ave SW Ste C | (701) 838-2011 |
| 10 | Kellie Thorman - State Farm Insurance Agent | 500 20th Ave SW B | (701) 839-4999 |
Jessica Aardahl - State Farm Insurance Agent serves the Minot, North Dakota area, offering flood insurance policies to property owners in this community. Homes and businesses in the region face periodic flooding risks, making this local agency a practical resource for coverage that helps protect assets from water damage. The agent guides clients in selecting policies suited to their individual property needs and flood zone designations. This office specializes in tailored flood insurance plans and personal property coverage adjustments for local residents.
Paul Siebert - State Farm Insurance Agent in Minot, ND, provides flood insurance policies to help property owners manage potential water damage risks. The agency offers personalized consultations to assess coverage needs and assists with plan adjustments for changing conditions. Policyholders can rely on ongoing support through claims filing and billing inquiries. Services cover single-family homes, apartments, retail spaces, and restaurants.
Serving Minot and the surrounding communities across north-central North Dakota, Michael A Lucy Agency Inc American Family Insurance handles flood insurance coverage for residential and commercial properties. This agency helps property owners within mapped flood zones secure protection against potential water damage from heavy rains and seasonal river rises. To assess each client’s needs, it reviews flood hazard maps and property elevation data. The general approach it uses to handle a typical job includes explaining policy coverage limits, comparing available deductibles, and guiding clients through the federal flood insurance application process.
Homeowners, businesses, and property managers in Minot, North Dakota, rely on Kim Albert Agency: Allstate Insurance for flood insurance guidance. This agency provides information about policies that protect structures and contents from flood damage, a vital service in a community near the Souris River. Clients receive assistance understanding coverage options that meet lender requirements and personal needs. The agency also serves property owners in the nearby Burlington area, ensuring comprehensive local flood risk protection is accessible across the region.
Michael E Braun’s agency in Minot, ND, offers flood insurance as both a one-time policy for specific risk periods and as a recurring annual option for continuous protection. Coverage primarily addresses structural damage from rising water, which standard homeowners plans typically exclude. This service helps local property owners meet mortgage requirements or safeguard against seasonal flooding from area waterways. Routine policy reviews and claims assistance are available as needed, allowing clients to adjust coverage between scheduled renewal dates or request urgent support after a flood event.
Spring flooding from the Souris River is a recurring concern for Minot homeowners, and Farmers Insurance - Miranda Schuler provides flood insurance agents to help residents navigate this specific risk. Each agent evaluates individual property elevations and historical flood data to recommend appropriate National Flood Insurance Program or private coverage options. Understanding FEMA flood zone classifications is essential for every local policy discussion. The process begins with a site visit to assess drainage patterns and foundation vulnerabilities before presenting tailored policy details.
Donovan Insurance Agency LLP specializes in flood insurance policies, guiding Minot, ND property owners through coverage tailored to area floodplain risks. The agency assists clients in evaluating policy limits, deductibles, and structural protections for homes and businesses. It works closely with individuals seeking National Flood Insurance Program options along with private market alternatives. Given Minot’s seasonal spring snowmelt and potential riverine flooding from the Souris River, the agency helps residents secure adequate coverage before the high-water period arrives.
Heritage Insurance Services works with property owners in Minot, North Dakota, to secure protection against financial loss from flood events. The agency specializes exclusively as a flood insurance agent, guiding clients through policy options that address the specific risks of the local region. Its services cover residential needs but also extend to commercial operations, assisting offices, warehouses, and food service establishments in safeguarding their assets against flood damage.
Farmers Insurance - Kellen Latendresse provides residential flood insurance services for homeowners in Minot, ND, helping to protect properties from water damage. Commercial flood coverage is also available for local businesses needing financial safeguards against storm or overflow threats. The agency serves the greater Minot area and surrounding communities. Clients can return for policy reviews ahead of severe weather seasons, and the office offers follow-up assistance between regular visits to adjust coverage as conditions change.
Kellie Thorman - State Farm Insurance Agent in Minot, ND, is known for providing flood insurance policies to protect local homes and businesses from water damage. This agent serves the Minot area, helping clients navigate coverage options for properties in flood-prone zones near the Souris River. Policies typically include dwelling and contents protection, with options for additional living expense coverage in case of displacement. Specialty add-on services may include sewer backup coverage for basement or crawlspace flooding.
What Does a a Flood Insurance Agent in Minot Cost?
Typical flood insurance premiums in North Dakota range from 500 to 2,500 dollars per year for a standard home, depending on flood zone, elevation, and coverage amount. Private market policies may cost more but offer higher limits. Costs vary significantly by property and risk level. This is general information, not insurance advice.
About flood insurance agents in Minot
Flood insurance agents in Minot, North Dakota help property owners secure coverage through the National Flood Insurance Program or private insurers. Minot sits near the Souris River and has experienced major floods, making proper coverage essential. North Dakota law requires lenders to mandate flood insurance for properties in high-risk zones, so an agent can guide you on compliance and policy options.
Frequently Asked Questions
What does a flood insurance agent in Minot do?
A flood insurance agent helps you assess your flood risk, choose a policy, and file claims. They work with NFIP and private carriers to find coverage that meets local requirements.
Is flood insurance required in Minot North Dakota?
Flood insurance is required by federal law if your property has a mortgage from a federally regulated lender and is in a Special Flood Hazard Area. Even outside these zones, agents often recommend coverage due to Minot's flood history.
How do I find a flood insurance agent in Minot?
You can search the NFIP agent locator or contact local insurance agencies in Minot. Agents must be licensed in North Dakota and familiar with the Souris River basin flood maps.
Flood Insurance Agents in Other North Dakota Cities
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