The top-rated flood insurance agent in Xenia, Ohio is Greene County Insurance, rated 4.9 stars across 155 reviews. Other highly rated options include Doug Zeigler - State Farm Insurance Agent, Montgomery Insurance & Investments, David Spriggs - State Farm Insurance Agent. This directory lists 13 flood insurance agents serving Xenia.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Greene County Insurance | 2039 Bellbrook Ave # A | (937) 374-0066 |
| 2 | Doug Zeigler - State Farm Insurance Agent | 280 N Detroit St | (937) 372-3700 |
| 3 | Montgomery Insurance & Investments | 114 S Detroit St | (937) 372-7646 |
| 4 | David Spriggs - State Farm Insurance Agent | 121 Dayton Ave | (937) 372-3863 |
| 5 | Rick Kolmin - State Farm Insurance Agent | 280 N Detroit St | (937) 372-3700 |
| 6 | Perkins & Associates Insurance Inc. American Family Insurance | 25 S Detroit St | (937) 347-2002 |
| 7 | Anderson Williamson Insurance | 242 N Detroit St | (937) 372-4491 |
| 8 | Farmers Insurance - Rodney Hines | 492 W 2nd St Ste 203 | (937) 424-0643 |
| 9 | Nationwide Insurance: Kelly Jones Insurance Agency LLC | 157 Progress Dr Ste A | (937) 372-8059 |
| 10 | Farmers Insurance - Micah Windsor | 57 E Main St | (937) 502-2010 |
Greene County Insurance serves Xenia and the surrounding Greene County area as a local flood insurance agent. The company helps property owners understand their risk and navigate coverage options for residential and commercial structures. Flood damage policies are particularly important here due to the region’s proximity to waterways and seasonal weather patterns. Agents assist with policy selection for both moderate- and high-risk flood zones. The firm handles claims support and elevation certificate reviews for new and existing properties.
Doug Zeigler - State Farm Insurance Agent in Xenia, Ohio, specializes in flood insurance policies designed to protect homes and businesses from water damage. The agency also handles general insurance services, including auto, home, and life coverage for local residents. Given the area’s risk of heavy spring rains and flash flooding, the agent helps property owners secure adequate flood coverage before the seasonal storms begin.
Homeowners, businesses, and property managers in Xenia, Ohio, turn to Montgomery Insurance & Investments for flood insurance coverage tailored to local flood zone risks. The agency helps clients understand National Flood Insurance Program policies and private market options to protect residential and commercial properties against water damage. It guides customers through the process of assessing coverage needs based on property elevation and historical flooding patterns in Greene County. Montgomery Insurance & Investments also serves policyholders in surrounding communities like Fairborn.
David Spriggs - State Farm Insurance Agent in Xenia, OH provides flood insurance services for residential and commercial clients. Service plans include coverage options tailored to protect structures and contents from water damage, with personalized consultations to assess individual property risks. The agency also assists policyholders with updates to coverage as flood maps or property values change over time. Its insured properties range from single-family homes and apartments to retail spaces and restaurants.
Serving Xenia, OH, and the surrounding communities of Greene County, Rick Kolmin - State Farm Insurance Agent handles flood insurance policies for residential and commercial properties. The agency addresses the specific risks posed by local waterways and storm events, guiding clients through the National Flood Insurance Program requirements. For a typical job, it reviews property elevation and flood zone data to recommend appropriate coverage limits.
Perkins & Associates Insurance Inc. American Family Insurance in Xenia, OH, distinguishes between one-time policies for single flood events and recurring annual coverage for ongoing property protection. The agency advises homeowners on standard flood insurance policies, which typically cover structural damage and contents in flood-prone areas. As a flood insurance agent, the firm provides local expertise in navigating the National Flood Insurance Program requirements. Services run on an as-needed basis, allowing clients to request quotes or policy modifications at any time without a recurring appointment schedule.
Anderson Williamson Insurance in Xenia, OH, specializes in securing flood insurance policies tailored to individual property risks. It assists homeowners and businesses in assessing their flood exposure and selecting appropriate coverage for structures and contents. The company works with clients year-round to explain policy details and assist with claims filing when water damage occurs. It helps residents prepare for the heightened flooding risks often associated with seasonal heavy rains or rapid snowmelt in the area.
As the spring thaw and heavy rains often arrive in southwest Ohio, basements and low-lying properties near Xenia face frequent flood risks. Farmers Insurance - Rodney Hines helps homeowners and business owners prepare for these seasonal threats through comprehensive flood insurance options. By evaluating local water tables and stormwater drainage patterns, the agency customizes coverage to match each property's specific vulnerabilities. Rodney Hines begins every new client relationship with a thorough on-site inspection of the structure and its surroundings to assess current flood exposure.
Nationwide Insurance: Kelly Jones Insurance Agency LLC helps clients in Xenia, OH secure financial protection for their properties. This local agency specializes in providing flood insurance policies, which are essential for safeguarding homes in areas prone to water damage. Regular homeowner policies often exclude flood coverage, making this specialized add-on critical for full protection. The agency serves various commercial sectors, including local office buildings, warehouses, and food service establishments.
Farmers Insurance - Micah Windsor offers residential flood insurance for homes in Xenia, OH, helping protect properties from flood-related damage. Commercial coverage is also available for local businesses that need financial safeguards during flood events. This agency serves the greater Xenia area with policies designed to meet standard insurance requirements. Clients can expect the usual guidance on policy details and claims assistance that flood insurance agents provide. When a policy renews or a property’s coverage needs change between regular visits, this agent can follow up and adjust the plan accordingly.
What Does a a Flood Insurance Agent in Xenia Cost?
The cost of flood insurance in Ohio typically ranges from $500 to $2,500 per year for an NFIP policy, depending on the property's flood zone, elevation, and coverage amount. Private market policies may cost more or less. An agent can provide a specific quote based on your Xenia property. This is general information, not insurance advice.
About flood insurance agents in Xenia
Flood insurance agents in Xenia, Ohio help property owners secure coverage through the National Flood Insurance Program (NFIP) and private insurers. Xenia is located in Greene County and has areas within FEMA-designated flood zones. Ohio law requires lenders to mandate flood insurance for properties in high-risk flood zones with a federally backed mortgage.
Frequently Asked Questions
Do I need flood insurance in Xenia Ohio?
If your property is in a FEMA-designated Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, your lender will require flood insurance. Even outside high-risk zones, flooding can occur, and an agent can help you assess your risk.
What does a flood insurance agent in Xenia do?
A flood insurance agent helps you determine your flood zone, explains NFIP coverage limits, and compares private flood insurance options. They also assist with filing claims and understanding Ohio-specific flood disclosure rules.
How do I find a flood insurance agent in Xenia Ohio?
You can search for licensed insurance agents in Xenia through the Ohio Department of Insurance website or ask local real estate agents for referrals. Many agents offer free consultations to review your property's flood risk.
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