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HomeFlood Insurance AgentsVirginia › Fredericksburg

Find Flood Insurance Agents Near You in Fredericksburg, VA

Browse flood insurance agents serving Fredericksburg, Virginia. Updated 2026-07-14.

The top-rated flood insurance agent in Fredericksburg, Virginia is Insurance Piggy Bank, rated 4.8 stars across 541 reviews. Other highly rated options include Central Park Insurance, Farmers Insurance: Steele Insurance Agency, Adam Forsberg at Comparion Insurance Agency. This directory lists 28 flood insurance agents serving Fredericksburg.

Showing 28 flood insurance agents in Fredericksburg, VAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Insurance Piggy Bank420 Hudgins Rd Ste 214(703) 972-1242
2Central Park Insurance2609 Lafayette Blvd(540) 891-1160
3Farmers Insurance: Steele Insurance Agency419 Chatham Square Office Park(540) 891-9980
4Adam Forsberg at Comparion Insurance Agency1340 Central Park Blvd Ste 204(540) 736-6182
5Buster Nelson - State Farm Insurance Agent10740 Courthouse Rd Suite D(540) 898-4911
6Cliff Ward - State Farm Insurance Agent1601 Olde William St A(540) 371-0011
7Anthony Bowie at Comparion Insurance Agency1340 Central Park Blvd Ste 204(540) 736-6166
8Lewis Insurance Associates8 Potomac Creek Dr(540) 659-2121
9Insurance Doctor10052 Southpoint Pkwy(540) 252-0413
10The Insurance Marshall1810 Stafford Ave(540) 370-0104
IP
420 Hudgins Rd Ste 214
Insurance Piggy Bank
Flood Insurance Agent · Fredericksburg, VA

Insurance Piggy Bank serves Fredericksburg and the surrounding Spotsylvania County area, providing flood insurance agency services. The company helps homeowners, renters, and business owners navigate the federal flood insurance program to secure necessary coverage. They assist with assessing flood risk for properties located in designated flood zones. Their services include processing applications for National Flood Insurance Program policies and advising clients on available options for protecting against flood damage. Insurance Piggy Bank handles policy renewals and claims support for residential and commercial flood insurance needs.

CP
2609 Lafayette Blvd
Central Park Insurance
Flood Insurance Agent · Fredericksburg, VA

Central Park Insurance provides flood insurance guidance and policy placement for properties in the Fredericksburg, VA area. It assists clients with understanding flood zone requirements and offers ongoing policy reviews to maintain adequate coverage limits. Maintenance plans focus on ensuring compliant documentation and prompt renewal processing each term. The agent services single-family homes, multi-unit apartment complexes, retail storefronts, and local restaurants.

FI
419 Chatham Square Office Park
Farmers Insurance: Steele Insurance Agency
Flood Insurance Agent · Fredericksburg, VA

Homeowners, businesses, and property managers in Fredericksburg turn to Farmers Insurance: Steele Insurance Agency for flood insurance coverage. This agency helps clients understand flood risk and secure policies tailored to their specific property needs. They navigate the complexities of National Flood Insurance Program options and discuss supplemental coverage for dwelling and contents. Whether protecting a single-family home or a commercial property, they guide clients through the application and renewal process. Their service area also extends to surrounding communities in Spotsylvania County, including the Battlefield area.

AF
1340 Central Park Blvd Ste 204
Adam Forsberg at Comparion Insurance Agency
Flood Insurance Agent · Fredericksburg, VA

Residents facing flooding challenges along the Rappahannock River and in low-lying areas of Fredericksburg may need either a one-time flood elevation certificate to remove lender-required insurance or recurring policy updates for changing risk zones and property values. Alexander Forsberg at Comparion Insurance Agency assists clients in the area with coverage options from the National Flood Insurance Program and private insurers, helping structure plans that address flood risks, deductibles, and contents protection. Services are available on a scheduled or as-needed basis for new purchases, renewals, and mid-term policy adjustments.

BN
10740 Courthouse Rd Suite D
Buster Nelson - State Farm Insurance Agent
Flood Insurance Agent · Fredericksburg, VA

Buster Nelson - State Farm Insurance Agent serves Fredericksburg, Virginia and the surrounding communities of Spotsylvania, Stafford, and the Rappahannock River region. The office handles flood insurance policies designed to protect homes and businesses from water damage caused by rising rivers, heavy rainfall, and storm surges common to the area. To meet a client’s needs, it first reviews the property’s flood zone designation and coverage requirements before outlining available policy options.

CW
1601 Olde William St A
Cliff Ward - State Farm Insurance Agent
Flood Insurance Agent · Fredericksburg, VA

Cliff Ward - State Farm Insurance Agent specializes in flood insurance policies for homeowners and businesses in Fredericksburg, VA. The agency helps clients assess their flood risk and navigate coverage options to protect properties from water damage. It also offers general insurance services to meet a range of local needs. During spring thaw or heavy hurricane season rains, the agent guides residents in securing flood protection before rising waters become a threat.

AB
1340 Central Park Blvd Ste 204
Anthony Bowie at Comparion Insurance Agency
Flood Insurance Agent · Fredericksburg, VA

Flood season in the Fredericksburg area often brings concern for homes near the Rappahannock River or low-lying zones. Anthony Bowie at Comparion Insurance Agency addresses that worry directly, offering policies that help protect local property owners from water damage. Drawing on deep familiarity with FEMA flood maps and regional risk patterns, the agent guides clients through coverage options tailored to their specific neighborhood. The process begins with a thorough review of the property’s elevation and flood zone designation during an initial consultation.

LI
8 Potomac Creek Dr
Lewis Insurance Associates
Flood Insurance Agent · Fredericksburg, VA

Lewis Insurance Associates serves property owners in Fredericksburg, VA, by offering comprehensive insurance solutions tailored to local needs. Its specialty includes flood insurance agent services, helping clients navigate policies that address flood-related property risks common to the Rappahannock River region. The agency works closely with homeowners and business operators to explain coverage options and ensure adequate protection against potential water damage. Commercial sectors served include offices, warehouses, and food service establishments, where tailored flood policies help safeguard physical assets and operational continuity during severe weather events.

ID
10052 Southpoint Pkwy
Insurance Doctor
Flood Insurance Agent · Fredericksburg, VA

After seasonal storms or rising rivers threaten the Rappahannock basin near Fredericksburg, property owners often seek reliable flood protection. Insurance Doctor responds by helping residents understand the specific needs for coverage in this flood-prone region. The office guides clients through the distinctions between federal and private flood policies. A knowledgeable agent clarifies how elevation data and local flood maps affect available options. The process starts with a careful review of the property and a discussion of risk factors during an initial consultation.

IM
1810 Stafford Ave
The Insurance Marshall
Flood Insurance Agent · Fredericksburg, VA

The Insurance Marshall assists homeowners in Fredericksburg with securing coverage against flood damage, and also provides commercial policies for local business properties. Their services are available throughout the Fredericksburg area, helping clients assess flood risk and choose appropriate protection. Claim assistance and policy questions are handled directly by the agency. After each initial policy setup, they remain available for follow-up discussions and will contact clients to review coverage needs regularly between scheduled visits.

IS
541 William St
The Insurance Smith Agency
Flood Insurance Agent · Fredericksburg, VA
(540) 371-9777
theinsurancesmith.com
MS
10500 Wakeman Dr #210
MARK SULLIVAN INSURANCE
Flood Insurance Agent · Fredericksburg, VA
(540) 369-4411
marksullivaninsurance.com
PW
1320 Central Park Blvd #407
Pete Webb Agency | HUB International
Flood Insurance Agent · Fredericksburg, VA
(540) 693-2720
hubinternational.com/offices/us/virginia/fredericksburg
GI
11148 Patriot Hwy
Gengler Insurance Agency
Flood Insurance Agent · Fredericksburg, VA
(540) 891-2691
ginsurance.net
CI
1340 Central Park Blvd Ste 204
Comparion Insurance Agency
Flood Insurance Agent · Fredericksburg, VA
(540) 548-8344
comparioninsurance.com/insurance-agent/virginia/fredericksburg-0364
GL
12022 Old Salem Church Rd
G.L. Herndon Insurance Agency
Flood Insurance Agent · Fredericksburg, VA
(540) 898-1987
glherndoninsurance.com
DI
11328 Patriot Hwy
D&L Insurance Inc
Flood Insurance Agent · Fredericksburg, VA
(540) 373-3100
dlinsured.com
BI
1671 Emancipation Hwy Suite 205
Bearing Insurance
Flood Insurance Agent · Fredericksburg, VA
(540) 373-3833
bearinginsurance.com
VF
754 Warrenton Rd Suite 111
Virginia Farm Bureau Insurance
Flood Insurance Agent · Fredericksburg, VA
(540) 899-9454
vafb.com/offices/stafford
SI
2217 Princess Anne St
Stover Insurance
Flood Insurance Agent · Fredericksburg, VA
(540) 656-2828
stoveragency.com
HA
4032 Plank Rd # 1a
The Hoffman Agency Inc.: Allstate Insurance
Flood Insurance Agent · Fredericksburg, VA
(540) 373-6758
agents.allstate.com/the-hoffman-agency-inc-fredericksburg-va.html
FI
10213 Southpoint Pkwy
Foster Insurance Agency
Flood Insurance Agent · Fredericksburg, VA
(540) 895-2701
PI
2010 US-17 BUS
Protected Insurance Service VA
Flood Insurance Agent · Fredericksburg, VA
(540) 554-1995
insurancepiggybank.com/contact/fredericksburg-va-insurance
NL
2303 Patriot Hwy
Next Level Insurance
Flood Insurance Agent · Fredericksburg, VA
(571) 418-1709
nextlevelins.com
RI
4034 B Plank Rd
Rainville Insurance Agency
Flood Insurance Agent · Fredericksburg, VA
(540) 786-4477
rainvilleinsurance.com
HF
15 Freedom Ln
Holt Flood Insurance
Flood Insurance Agent · Fredericksburg, VA
(540) 809-1415
holtfloodinsurance.com
UI
433 Elm St
Union Insurance Agency
Flood Insurance Agent · Fredericksburg, VA
(540) 684-9251
unioninsurance.agency
LF
10304 Spotsylvania Ave Suite 101
Long & Foster Insurance
Flood Insurance Agent · Fredericksburg, VA
(866) 275-4534
lnfinsurance.com

What Does a a Flood Insurance Agent in Fredericksburg Cost?

In Virginia, flood insurance premiums through the NFIP average around 700 to 1,200 dollars per year for a standard policy. Private market rates can vary from 500 to 2,000 dollars depending on flood zone, elevation, and building characteristics. Costs are higher for properties in high-risk areas near the Rappahannock River. This is general information and not insurance advice.

About flood insurance agents in Fredericksburg

Flood insurance agents in Fredericksburg Virginia help property owners secure coverage through the National Flood Insurance Program or private insurers. Virginia law requires flood insurance for properties in high-risk flood zones with federally backed mortgages. Local agents understand the Rappahannock River floodplain and can guide you through the 30-day waiting period for NFIP policies.

Frequently Asked Questions

Do I need flood insurance in Fredericksburg Virginia?

If your property is in a Special Flood Hazard Area and you have a federally backed mortgage, Virginia law requires flood insurance. Even outside high-risk zones, flooding from heavy rain is common in the region.

How long does it take to get a flood insurance policy in Fredericksburg?

Standard NFIP policies have a 30-day waiting period before coverage begins. Some private insurers may offer shorter waiting periods. Plan ahead and do not wait until a storm is approaching.

What does a flood insurance agent in Fredericksburg do?

An agent assesses your property risk, explains NFIP and private policy options, and helps you determine the correct coverage amount. They also assist with filing claims and understanding Virginia-specific floodplain management rules.

Flood Insurance Agents in Other Virginia 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.