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HomeFlood Insurance AgentsOhio › Lancaster

Find Flood Insurance Agents Near You in Lancaster, OH

Browse flood insurance agents serving Lancaster, Ohio. Updated 2026-07-14.

The top-rated flood insurance agent in Lancaster, Ohio is Miller Insurance & Financial Group,LLC, rated 4.9 stars across 88 reviews. Other highly rated options include Bill Palmer Insurance Inc, Wentz Insurance Agency Inc, Frear Insurance Services Inc. This directory lists 20 flood insurance agents serving Lancaster.

Showing 20 flood insurance agents in Lancaster, OHListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Miller Insurance & Financial Group,LLC804 W Fair Ave(740) 653-4339
2Bill Palmer Insurance Inc725 E Main St(740) 687-5733
3Wentz Insurance Agency Inc1601 E Main St(740) 653-5535
4Frear Insurance Services Inc343 E Main St(740) 653-1236
5McGlothin Insurance & Financial Services110 N Columbus St Ste 107(740) 653-5230
6Mitchell Insurance Agency1518 E Main St(740) 687-6258
7Putnam White Lewis Insurance824 N Columbus St(740) 653-0602
8Shelter Insurance - Robert Pritchard169 W Fair Ave A(614) 527-5848
9Tom Mertz Insurance345 E Main St(740) 687-1010
10Brightway Insurance, The Kaminsky Agency1424 Ety Pointe Dr NW(740) 654-7782
MI
804 W Fair Ave
Miller Insurance & Financial Group,LLC
Flood Insurance Agent · Lancaster, OH

Miller Insurance & Financial Group, LLC serves the Lancaster, OH area and surrounding Fairfield County as a flood insurance agent. The agency assists property owners in securing National Flood Insurance Program policies, helping them understand their specific risk zones and coverage needs. Navigating flood maps and federal requirements requires local expertise, which the company provides through direct consultation. It also guides clients through the claims process and helps evaluate additional coverage for structural contents.

BP
725 E Main St
Bill Palmer Insurance Inc
Flood Insurance Agent · Lancaster, OH

Bill Palmer Insurance Inc provides Lancaster, Ohio, with flood insurance agent services tailored to protect against water damage risks. It offers comprehensive policy consultations, risk assessments, and claims assistance. Service plans include personalized coverage reviews and updates to align with changing flood maps and property needs. Maintenance plans ensure policy adjustments after renovations or market shifts. The agency services single-family homes, apartments, retail properties, and restaurants throughout the local area.

WI
1601 E Main St
Wentz Insurance Agency Inc
Flood Insurance Agent · Lancaster, OH

Wentz Insurance Agency Inc in Lancaster, Ohio works with homeowners, businesses, and property managers who need flood insurance coverage. The agency helps clients understand flood risks and secure appropriate policies to protect properties against water damage from storms or rising waterways. Its team guides customers through the complexities of federal and private flood insurance options available in this region. The agency also serves clients in the surrounding areas of Fairfield County.

FI
343 E Main St
Frear Insurance Services Inc
Flood Insurance Agent · Lancaster, OH

Frear Insurance Services Inc serves Lancaster and the surrounding communities in Fairfield County, specializing in flood insurance policies for residential and commercial properties. The agency helps clients understand their risk and secure coverage that meets lender requirements and federal program guidelines. Each typical job begins with a personalized consultation to assess the property’s flood zone designation and exposure, followed by a clear explanation of available options to ensure appropriate protection against water damage.

MI
110 N Columbus St Ste 107
McGlothin Insurance & Financial Services
Flood Insurance Agent · Lancaster, OH

McGlothin Insurance & Financial Services in Lancaster, OH specializes in securing policies that protect residential and commercial properties from flood damage. The agency works closely with clients to assess site-specific risks and navigate the complexities of flood insurance requirements. It assists with both National Flood Insurance Program options and private market alternatives. Homeowners near waterways in Fairfield County benefit from reviewing their coverage before the spring thaw or during heavy summer storms that commonly produce flash flooding.

MI
1518 E Main St
Mitchell Insurance Agency
Flood Insurance Agent · Lancaster, OH

For standard homeowners or commercial property policies, flood coverage is typically an add-on you purchase once for the policy term. In contrast, Mitchel Insurance Agency offers optional, recurring service that can adjust your coverage as flood maps or property values change over the years. As a flood insurance agent in Lancaster, OH, this agency helps clients understand which structures and contents qualify for protection under federal programs. Their service runs on both a one-time and as-needed basis, allowing you to request a policy review whenever you buy or renovate a property.

PW
824 N Columbus St
Putnam White Lewis Insurance
Flood Insurance Agent · Lancaster, OH

Putnam White Lewis Insurance serves Lancaster and Fairfield County, Ohio, as a local provider of flood insurance agent services. The agency guides property owners through the complexities of securing appropriate coverage for their homes and businesses. Understanding the specific flood risks in the Lancaster area, the team assists clients in evaluating potential policies from the National Flood Insurance Program. They handle the application process and help explain coverage options for both residential structures and commercial properties located in designated flood zones.

SI
169 W Fair Ave A
Shelter Insurance - Robert Pritchard
Flood Insurance Agent · Lancaster, OH

Shelter Insurance - Robert Pritchard in Lancaster, Ohio provides residential flood insurance, helping homeowners protect properties from water damage. The agency also offers commercial coverage for businesses in the Lancaster area. Serving local clients with policies tailored to area flood risks, the office works to ensure smooth claims handling after water events. Customers often return for policy updates during regular visits and follow up on coverage adjustments as their needs change.

TM
345 E Main St
Tom Mertz Insurance
Flood Insurance Agent · Lancaster, OH

Tom Mertz Insurance provides flood insurance coverage to property owners in Lancaster, Ohio. The agency specializes in policies that go beyond standard homeowners or business protection, offering supplemental flood endorsements for high-risk zones. Clients seeking dedicated flood insurance guidance can work with this agent to assess their specific exposure needs. The agency serves commercial sectors such as offices, warehouses, and food service establishments, ensuring these businesses have appropriate flood protection for their operations.

BI
1424 Ety Pointe Dr NW
Brightway Insurance, The Kaminsky Agency
Flood Insurance Agent · Lancaster, OH
OI
110 E Main St
Otto Insurance Group
Flood Insurance Agent · Lancaster, OH
(740) 653-4004
otto-ins.com/locations/lancaster-oh
CI
414 E Main St # 100
Clark Insurance
Flood Insurance Agent · Lancaster, OH
(740) 653-8623
clarkins.com
SI
169 W Fair Ave B
Shelter Insurance - Jessica Wilkins
Flood Insurance Agent · Lancaster, OH
(740) 785-5025
shelterinsurance.com/CA/agent/JWILKINS
GI
711 W Fair Ave
Gibson Insurance Agency
Flood Insurance Agent · Lancaster, OH
(740) 653-7111
garygibsoninsurance.com
GI
503 Tarkiln Rd SE
Great Insurance Lancaster
Flood Insurance Agent · Lancaster, OH
(740) 309-1108
EI
402 S Broad St
Easy Insurance Co
Flood Insurance Agent · Lancaster, OH
(740) 309-3203
FI
118 W Mulberry St
Farmers Insurance - Mark Reynolds
Flood Insurance Agent · Lancaster, OH
(614) 808-4730
agents.farmers.com/oh/lancaster/dawn-reynolds
WI
400 N Memorial Dr
Wichert Insurance
Flood Insurance Agent · Lancaster, OH
(740) 654-0532
wichert.com
DJ
402 E Main St
Derflinger Jones Insurance
Flood Insurance Agent · Lancaster, OH
(740) 687-5808
derflingerjonesins.com
SI
117 W Main St Suite 210 c
SecurePath Insurance
Flood Insurance Agent · Lancaster, OH
(740) 653-3390
securepathinsurance.com

What Does a a Flood Insurance Agent in Lancaster Cost?

Flood insurance costs in Ohio vary widely based on flood zone, property elevation, and coverage amount. For an NFIP policy, annual premiums in Lancaster typically range from 500 to 2,500 dollars for a standard single-family home. Higher-risk properties or those requiring an elevation certificate may cost more. Private market policies can sometimes offer lower rates for low-risk properties. This is general information and not insurance advice.

About flood insurance agents in Lancaster

Flood insurance agents in Lancaster Ohio help property owners understand their flood risk and secure coverage through the National Flood Insurance Program or private carriers. Ohio law does not require flood insurance for most properties, but mortgage lenders often mandate it for homes in high-risk flood zones. Lancaster sits near the Hocking River, so properties in certain areas may face elevated flood risk and need professional guidance.

Frequently Asked Questions

Do I need flood insurance in Lancaster Ohio?

Flood insurance is not required by Ohio state law for most properties. However, if your home is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will require it. Even outside high-risk zones, flood damage is not covered by standard homeowners policies.

What does a flood insurance agent in Lancaster do?

A flood insurance agent helps you assess your property's flood risk, explains NFIP and private policy options, and assists with completing the application and elevation certificate. They can also help you understand waiting periods and coverage limits specific to Ohio.

How long does it take to get flood insurance in Ohio?

NFIP policies typically have a 30-day waiting period before coverage begins, unless the policy is purchased in connection with a new home loan. Private flood insurance may have shorter waiting periods. An agent can help you plan accordingly.

Flood Insurance Agents in Other Ohio Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each flood insurance agent's credentials and current standing with your state Department of Insurance.