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HomeFlood Insurance AgentsTennessee › Oak Ridge

Find Flood Insurance Agents Near You in Oak Ridge, TN

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

The top-rated flood insurance agent in Oak Ridge, Tennessee is Stephanie Hale-Smith - State Farm Insurance Agent, rated 5.0 stars across 334 reviews. Other highly rated options include Bradley Roberts: Allstate Insurance, Mike Massaglia - State Farm Insurance Agent, Josh Hemphill - State Farm Insurance Agent. This directory lists 19 flood insurance agents serving Oak Ridge.

Showing 19 flood insurance agents in Oak Ridge, TNListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Stephanie Hale-Smith - State Farm Insurance Agent40 New York Ave #110(865) 483-7784
2Bradley Roberts: Allstate Insurance106 S Illinois Ave(865) 482-9596
3Mike Massaglia - State Farm Insurance Agent108 S Illinois Ave(865) 425-7750
4Josh Hemphill - State Farm Insurance Agent574 Oak Ridge Turnpike(865) 512-7542
5Laura Lynn Green - State Farm Insurance Agent136 Marquette Rd(865) 483-5666
6Farm Bureau Insurance1574 Oak Ridge Turnpike(865) 482-5666
7Madison Insurance Group, Inc.795 Main St W Suite 200(865) 425-7300
8Thompson Insurance Group697 Emory Valley Rd E(865) 685-5069
9Fox Insurance Group110 S Illinois Ave(865) 482-0513
10Chris Smith Insurance471 Oak Ridge Turnpike Ste.B(865) 272-3387
SH
40 New York Ave #110
Stephanie Hale-Smith - State Farm Insurance Agent
Flood Insurance Agent · Oak Ridge, TN

Stephanie Hale-Smith’s State Farm Insurance Agency serves Oak Ridge, Tennessee, and the surrounding Anderson County area, specializing in flood insurance agent services. Clients here rely on this office to help secure coverage against water damage from heavy rains and rising waterways common to the region. The agent works through National Flood Insurance Program policies to meet local property protection needs. Specific services include processing new flood policies for homes and businesses and assisting with claims after storm events.

BR
106 S Illinois Ave
Bradley Roberts: Allstate Insurance
Flood Insurance Agent · Oak Ridge, TN

Bradley Roberts: Allstate Insurance in Oak Ridge, TN offers flood insurance coverage and related consultation services for properties in the local area. Its service plans include guiding clients through the process of evaluating their flood risk, explaining policy options, and assisting with the claims process when needed. The agency ensures customers understand how flood damage is covered under their specific policies. It services single-family homes, apartments, retail locations, and restaurants.

MM
108 S Illinois Ave
Mike Massaglia - State Farm Insurance Agent
Flood Insurance Agent · Oak Ridge, TN

Serving homeowners, businesses, and property managers in and around Oak Ridge, TN, Mike Massaglia - State Farm Insurance Agent helps clients secure flood insurance coverage to protect against water damage from heavy rains and rising creeks. The agency explains National Flood Insurance Program options and standard policy details with clarity, ensuring clients understand their deductibles and coverage limits. This office also works with residents in nearby Clinton, providing the same reliable service for properties near the Clinch River.

JH
574 Oak Ridge Turnpike
Josh Hemphill - State Farm Insurance Agent
Flood Insurance Agent · Oak Ridge, TN

Josh Hemphill - State Farm Insurance Agent in Oak Ridge, Tennessee, provides residential flood insurance for homeowners seeking protection against water damage. Commercial flood coverage is also available for local business properties. The agency serves clients throughout the Oak Ridge area and the surrounding region. After an initial policy setup, the agent remains available for follow-up questions and policy adjustments, ensuring continuity of coverage between regular insurance review visits.

LL
136 Marquette Rd
Laura Lynn Green - State Farm Insurance Agent
Flood Insurance Agent · Oak Ridge, TN

Serving Oak Ridge and the surrounding communities of Anderson and Roane counties, Laura Lynn Green operates as a State Farm Insurance Agent specializing in flood insurance. This agency handles the unique coverage needs for residential and commercial properties located in designated flood zones. To provide adequate protection, typical client consultations begin with a review of local flood maps and property elevation data. The agent generally documents existing structural features and coverage limits to ensure a comprehensive policy is tailored to each specific property risk.

FB
1574 Oak Ridge Turnpike
Farm Bureau Insurance
Flood Insurance Agent · Oak Ridge, TN

Farm Bureau Insurance in Oak Ridge, Tennessee, is known for offering flood insurance policies that help protect residential properties against rising water damage. The agency serves homeowners and businesses throughout the surrounding region who need to secure coverage to meet mortgage requirements or safeguard investments. Risk assessment of local flood zones and management of premium adjustments are handled directly by the agent. They can expedite policy binding for new constructions and add contents coverage for basements.

MI
795 Main St W Suite 200
Madison Insurance Group, Inc.
Flood Insurance Agent · Oak Ridge, TN

As a flood insurance agent, Madison Insurance Group, Inc. specializes in securing policies that protect property owners from water damage resulting from rising waters. The company serves the Oak Ridge, TN area by offering guidance through complex coverage options for homeowners and businesses alike. It assists clients in understanding the National Flood Insurance Program requirements and available private alternatives. Seasonal heavy rains and spring thaws often create urgent concerns about flood risks, which this agency helps homeowners address proactively before storm season begins.

TI
697 Emory Valley Rd E
Thompson Insurance Group
Flood Insurance Agent · Oak Ridge, TN

Thompson Insurance Group helps property owners in Oak Ridge, Tennessee, navigate flood insurance coverage for residential and commercial needs. Its specialty work includes bridging gaps left by standard policies, ensuring clients understand their risk from heavy rainfall and nearby waterways. The firm assists with obtaining required federal flood coverage and exploring supplemental private options. For commercial clients, Thompson Insurance Group serves offices, warehouses, and food service operations, tailoring protection against water damage that can disrupt inventory, equipment, and business continuity.

FI
110 S Illinois Ave
Fox Insurance Group
Flood Insurance Agent · Oak Ridge, TN

When seasonal storms threaten the Oak Ridge area, homeowners often seek clear guidance on flood insurance coverage. Fox Insurance Group partners with clients in this Tennessee community to explain National Flood Insurance Program options and typical policy terms. Their agency helps residents assess potential flood risks tied to local watersheds and weather patterns. Each conversation begins with a thorough review of the property’s specific exposure, followed by an on-site inspection to evaluate the building’s elevation and foundation details for an accurate initial assessment.

CS
471 Oak Ridge Turnpike Ste.B
Chris Smith Insurance
Flood Insurance Agent · Oak Ridge, TN
SP
113 Raleigh Rd
Southern Protection Insurance TN
Flood Insurance Agent · Oak Ridge, TN
(865) 290-0191
HC
665A Emory Valley Rd
Herron-Connell Insurance
Flood Insurance Agent · Oak Ridge, TN
(865) 483-8483
herronconnell.com
WO
800 Oak Ridge Turnpike # A1000
Wholesure Oak Ridge, TN (Appalachian Underwriters Inc.)
Flood Insurance Agent · Oak Ridge, TN
(888) 376-9633
appund.com
CC
207 S Purdue Ave
Complete Cover Insurance Group
Flood Insurance Agent · Oak Ridge, TN
(615) 488-1250
AC
681C Emory Valley Rd
Assurance Center
Flood Insurance Agent · Oak Ridge, TN
(423) 380-0924
CH
108 S Illinois Ave
Carriage Hill Insurance
Flood Insurance Agent · Oak Ridge, TN
(865) 483-3200
carriagehillinsurance.com
SI
107A W Tennessee Ave
Shelter Insurance - Nathan Mizer
Flood Insurance Agent · Oak Ridge, TN
(865) 483-0670
shelterinsurance.com/CA/agent/NMIZER
HH
1062 Oak Ridge Turnpike # 200
Howard Hildreth Insurance & Realty
Flood Insurance Agent · Oak Ridge, TN
(865) 483-8476
howardhildrethins.com
PI
1672 Oak Ridge Turnpike
Prime Insurance Co
Flood Insurance Agent · Oak Ridge, TN

What Does a a Flood Insurance Agent in Oak Ridge Cost?

The cost of flood insurance in Tennessee varies by flood zone elevation and property value. Average NFIP premiums in Tennessee range from 700 to 2000 dollars per year. High-risk properties may pay more. Private market policies can offer different pricing. This is general information not insurance advice.

About flood insurance agents in Oak Ridge

Flood insurance agents in Oak Ridge Tennessee help property owners secure coverage through the National Flood Insurance Program and private insurers. Tennessee law does not require flood insurance but mortgage lenders often mandate it for properties in high-risk zones. Oak Ridge sits near the Clinch River and Melton Hill Lake making flood awareness important for local homeowners.

Frequently Asked Questions

Do I need flood insurance in Oak Ridge Tennessee?

Flood insurance is not required by Tennessee state law but your mortgage lender may require it if your property is in a Special Flood Hazard Area. Even outside high-risk zones flooding can occur so many homeowners choose to purchase a policy.

How do I find a flood insurance agent in Oak Ridge?

You can search online for licensed insurance agents in Oak Ridge who offer flood policies. The Tennessee Department of Commerce and Insurance provides a license lookup tool to verify an agents credentials.

What does a flood insurance policy cover in Tennessee?

A standard NFIP policy covers structural damage and personal property loss caused by flooding. Coverage limits for a home are up to 250000 dollars and for contents up to 100000 dollars. Private policies may offer higher limits.

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.