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Browse flood insurance agents serving Alcoa, Tennessee. Contact information and addresses listed below.
4 agents listed
Updated May 2026
Alcoa, TN
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 Tennessee before hiring.
Showing 4 flood insurance agents in Alcoa, TN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Shelter Insurance - Michael Newman
327 Gill St A, Alcoa, TN 37701
(865) 982-8064
shelterinsurance.com
Shelter Insurance - David Anderson
327 Gill St B, Alcoa, TN 37701
(865) 984-0209
shelterinsurance.com
Volunteer Insurance Agency TN
126 S Calderwood St, Alcoa, TN 37701
(865) 345-4306
Blue Ridge Insurance Alcoa
445 Marilyn Ln, Alcoa, TN 37701
(865) 413-8028
Flood insurance agents in Alcoa Tennessee help homeowners and businesses secure coverage through the National Flood Insurance Program or private insurers. Tennessee law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Local agents understand the specific flood risks near the Little River and can guide you through the application process.
What Does a Flood Insurance Agent in Alcoa Cost?
The average cost of a flood insurance policy in Tennessee is around 700 to 1,200 dollars per year for a standard home, but rates depend on your property's flood zone elevation and coverage amount. In Alcoa, premiums may be higher for homes near the Little River or in mapped high-risk areas. This is general information and 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
Do I need flood insurance in Alcoa Tennessee?
If your property is in a Special Flood Hazard Area and you have a federally backed mortgage you are required by law to carry flood insurance. Even outside high-risk zones many residents choose to buy coverage because floods can happen anywhere in Tennessee.
How do I find a flood insurance agent in Alcoa?
You can search for licensed insurance agents who offer flood policies through the National Flood Insurance Program or private carriers. The Tennessee Department of Commerce and Insurance website provides a tool to verify agent licenses and find local professionals.
What does a flood insurance policy typically cover in Tennessee?
Standard flood insurance covers structural damage to your building and damage to personal belongings up to policy limits. It does not cover contents in basements or damage from sewer backups unless you add specific endorsements.
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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 Tennessee.