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HomeFlood Insurance AgentsTennessee › Chattanooga

Find Flood Insurance Agents Near You in Chattanooga, TN

Browse flood insurance agents serving Chattanooga, Tennessee. Updated 2026-07-14.

The top-rated flood insurance agent in Chattanooga, Tennessee is Atlas Insurance Agency, rated 5.0 stars across 768 reviews. Other highly rated options include Rock Creek Insurance, Greater Chattanooga Insurance, Stevens Insurance Associates. This directory lists 17 flood insurance agents serving Chattanooga.

Showing 17 flood insurance agents in Chattanooga, TNListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Atlas Insurance Agency2245 Olan Mills Dr(423) 822-5263
2Rock Creek Insurance1200 Mountain Creek Rd #441(423) 994-4200
3Greater Chattanooga Insurance5506 Miller Dr(423) 894-1515
4Stevens Insurance Associates7000 Lee Hwy #900(423) 894-8821
5Fields Insurance3206 Dayton Blvd(423) 475-2085
6River City Insurance3320 Dayton Blvd(423) 843-2552
7Ramsey Family Insurance5705 Marlin Rd Suite 2007(423) 212-1122
8RISE Insurance412 Georgia Ave Suite 202(423) 541-1111
9Sedlock Insurance Agency5959 Shallowford Rd Suite 4310(423) 291-4834
10The Hendrickson Agency5811 Lee Hwy Ste 411(423) 243-3200
AI
2245 Olan Mills Dr
Atlas Insurance Agency
Flood Insurance Agent · Chattanooga, TN

Atlas Insurance Agency serves the Chattanooga, Tennessee metro area as a flood insurance agent. The company helps property owners assess their risk of water damage from heavy rainfall and rising river levels common to the region. It assists with applications for policies through the National Flood Insurance Program. A flood insurance professional can evaluate a client's specific coverage needs based on a property's flood zone designation. Atlas Insurance Agency also guides homeowners through the claims process following a qualifying flood event.

RC
1200 Mountain Creek Rd #441
Rock Creek Insurance
Flood Insurance Agent · Chattanooga, TN

Rock Creek Insurance provides comprehensive flood insurance services for property owners in Chattanooga, Tennessee. It offers guidance on policy selection and claims assistance for flood-related damage. The company also helps clients review and update their existing coverage plans to adapt to changing local flood risks. Flood insurance needs vary by location, and Rock Creek Insurance tailors its service accordingly. It serves single-family homes, apartments, retail spaces, and restaurants throughout the area.

GC
5506 Miller Dr
Greater Chattanooga Insurance
Flood Insurance Agent · Chattanooga, TN

Greater Chattanooga Insurance serves homeowners, businesses, and property managers in Chattanooga, Tennessee, providing flood insurance policies to protect against water damage. It guides clients through federal program requirements and helps assess coverage needs for properties in flood-prone zones. Navigating local flood maps and elevation certificates, the agency assists with policy selection and claims support. Its services also extend to surrounding communities such as Hixson and East Ridge within the broader metropolitan area.

SI
7000 Lee Hwy #900
Stevens Insurance Associates
Flood Insurance Agent · Chattanooga, TN

Stevens Insurance Associates serves Chattanooga, Tennessee, and the surrounding communities within the greater Hamilton County area. It handles flood insurance policies for both residential and commercial properties located in designated flood zones. The agency reviews each property's specific flood risk level and the National Flood Insurance Program requirements. To handle a typical job, it compares the property's elevation against local flood maps to determine the appropriate coverage amount and policy type needed for reliable protection.

FI
3206 Dayton Blvd
Fields Insurance
Flood Insurance Agent · Chattanooga, TN

Fields Insurance specializes in connecting property owners with flood coverage plans tailored to specific risk levels and property types in the Chattanooga area. The agency provides general consulting services that clarify policy options and coverage limits for residential and commercial clients. Homeowners and business operators can rely on its guidance for navigating local flood zone requirements and policy adjustments. This assistance proves especially valuable during the spring and summer storm season, when heavy rainfall frequently overwhelms drainage systems and raises the threat of water damage in low-lying neighborhoods.

RC
3320 Dayton Blvd
River City Insurance
Flood Insurance Agent · Chattanooga, TN

River City Insurance in Chattanooga, TN, acts as a flood insurance agent, distinguishing between standalone policies for individual homes and recurring blanket coverage for entire communities. The agency focuses on protecting structures and contents from rising water and storm surge damage specific to the Tennessee River basin. Because flood risk is ever-present here, the area requires continuous coverage beyond standard homeowners insurance. Their service runs on a scheduled basis with annual policy reviews to adjust coverage as local flood maps change.

RF
5705 Marlin Rd Suite 2007
Ramsey Family Insurance
Flood Insurance Agent · Chattanooga, TN

As seasonal storms and rising river levels threaten homes along the Tennessee River in Chattanooga, Ramsey Family Insurance helps property owners secure vital flood coverage. Standard homeowners policies often exclude this risk, making a specialized flood insurance agent essential for local residents in high-risk flood zones. The company guides clients through available federal and private options to protect their homes. Every policy begins with a thorough property inspection and risk assessment to determine the specific coverage needed for the property.

RI
412 Georgia Ave Suite 202
RISE Insurance
Flood Insurance Agent · Chattanooga, TN

RISE Insurance provides property owners in Chattanooga, Tennessee, with specialized guidance on managing flood exposure. The agency focuses on securing coverage that addresses both federal program limitations and local flood zone requirements. It assists clients in understanding policy details that affect residential and commercial structures. The company can serve a variety of business sectors, including office buildings, warehouses, and food service establishments that require tailored protection against water damage.

SI
5959 Shallowford Rd Suite 4310
Sedlock Insurance Agency
Flood Insurance Agent · Chattanooga, TN

Sedlock Insurance Agency in Chattanooga, TN, is known for helping property owners navigate flood insurance options in a river-rich region. The agency assesses a client’s flood zone designation and connects them with National Flood Insurance Program policies. Evaluating building elevation and coverage limits ensures adequate protection against rising waters. For existing structures, the agency can also advise on adjusting deductibles to lower premium costs.

HA
5811 Lee Hwy Ste 411
The Hendrickson Agency
Flood Insurance Agent · Chattanooga, TN

The Hendrickson Agency of Chattanooga provides flood insurance coverage for residential properties, addressing the specific needs of homeowners in flood-prone areas. The agency also serves commercial clients who require policies for their business structures and assets. Service extends throughout the Chattanooga region, ensuring local property owners receive guidance tailored to their nearby risks. After placing a policy, The Hendrickson Agency remains available between regular visits to discuss coverage changes or to assist with renewal inquiries.

JO
6505 Lee Hwy
JSA - Options Insurance IS NOW PART OF CORNERSTONE INSURANCE GROUP
Flood Insurance Agent · Chattanooga, TN
(423) 681-1380
jsteedagency.com
GI
300 Ashland Terrace Suite B
Goosehead Insurance - Steven Ferman
Flood Insurance Agent · Chattanooga, TN
(423) 810-1041
goosehead.com/agents/tn/chattanooga/steven-ferman
EI
6229 Vance Rd #115
Elite Insurance Group ,LLC
Flood Insurance Agent · Chattanooga, TN
(423) 635-7717
eliteinsurancetn.com
SI
5811 Lee Hwy #415
Shelter Insurance - Bobby Bennett
Flood Insurance Agent · Chattanooga, TN
(423) 899-0148
shelterinsurance.com/CA/agent/BOBBYBENNETT
CI
6505 Lee Hwy
Cornerstone Insurance Group
Flood Insurance Agent · Chattanooga, TN
(423) 894-0360
cornerstoneinsgrp.com
JT
3871 Hixson Pike Ste B
Janie Turner Shetter Agency a division of KMA Insurance Group
Flood Insurance Agent · Chattanooga, TN
(423) 877-8267
kmainsurancegroup.com/chattanooga-tn
SI
4830 TN-58 Ste 118
Shelter Insurance - Bob Standifer, Jr.
Flood Insurance Agent · Chattanooga, TN
(423) 899-9142
shelterinsurance.com/CA/agent/BSTANDIFER2

What Does a a Flood Insurance Agent in Chattanooga Cost?

Flood insurance costs in Tennessee vary by property location elevation and coverage amount. For a standard NFIP policy annual premiums typically range from 700 to 2000 dollars for a single-family home. Private flood insurance may cost more or less depending on risk factors. This is general information not insurance advice.

About flood insurance agents in Chattanooga

Flood insurance agents in Chattanooga help property owners secure coverage against flood damage. 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 from the Tennessee River and nearby creeks.

Frequently Asked Questions

What does a flood insurance agent in Chattanooga do?

A flood insurance agent helps you find and purchase a flood insurance policy through the National Flood Insurance Program or a private insurer. They assess your property risk and explain coverage limits and deductibles. They also assist with filing claims if you experience flood damage.

Do I need flood insurance in Chattanooga Tennessee?

Flood insurance is required for properties in Special Flood Hazard Areas if you have a mortgage from a federally regulated lender. Even outside high-risk zones flooding can occur so many homeowners choose to buy coverage. Chattanooga has experienced significant flooding events in recent years.

How do I choose a flood insurance agent in Chattanooga?

Look for an agent licensed in Tennessee with experience in flood insurance policies. Ask about their knowledge of local flood zones and the National Flood Insurance Program. Check online reviews and verify their license through the Tennessee Department of Commerce and Insurance.

Flood Insurance Agents in Other Tennessee 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.