The top-rated flood insurance agent in Portsmouth, Virginia is Rachel Bailey - State Farm Insurance Agent, rated 5.0 stars across 545 reviews. Other highly rated options include Nationwide Insurance: Coppedge Insurance Agency Inc., Direct Auto Insurance, Tracey Vinson - State Farm Insurance Agent. This directory lists 14 flood insurance agents serving Portsmouth.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Rachel Bailey - State Farm Insurance Agent | 355 Crawford St Ste 106 | (757) 337-4265 |
| 2 | Nationwide Insurance: Coppedge Insurance Agency Inc. | 4405 Portsmouth Blvd | (757) 405-3079 |
| 3 | Direct Auto Insurance | 2552 Airline Blvd | (757) 405-0202 |
| 4 | Tracey Vinson - State Farm Insurance Agent | 3900 Greenway Ct N | (757) 399-7595 |
| 5 | Terry Friar - State Farm Insurance Agent | 4355 Portsmouth Blvd | (757) 488-5631 |
| 6 | Heritage Insurance Agency | 3706 Winchester Dr Ste 100 | (757) 399-7951 |
| 7 | Willis Roberts: Allstate Insurance | 6111 Portsmouth Blvd | (757) 204-3221 |
| 8 | Members Assurance Property & Casualty | 1040 University Blvd #102 | (757) 523-5352 |
| 9 | Serenty insurance agency Portsmouth | 5731 Portsmouth Blvd | (276) 444-9328 |
| 10 | Atlantic Charter Insurance Group | 5599 Portsmouth Blvd | (757) 488-0082 |
Rachel Bailey - State Farm Insurance Agent serves the Portsmouth, Virginia area. The company provides flood insurance policies to property owners in the region. These policies help protect homes and businesses from potential water damage during heavy storms and coastal events. Understanding local flood zones and FEMA requirements is central to the agent's work. The agency assists clients with policy selection and helps navigate the application process for new or renewed coverage. It handles both residential and commercial flood insurance services in the Portsmouth area.
Nationwide Insurance: Coppedge Insurance Agency Inc. provides flood insurance policies for properties in the Portsmouth, VA area. Their services include evaluating flood risk and securing coverage that meets local requirements. They assist clients with policy maintenance, adjustments for changing flood zones, and annual plan reviews to ensure ongoing protection. The agency services a range of property types, including single-family homes, apartments, retail establishments, and restaurants.
Direct Auto Insurance serves as a flood insurance agent, specializing in securing policies for homeowners and renters in the Portsmouth, VA area. It assists clients in navigating the National Flood Insurance Program and private market options to protect properties within designated flood zones. The company generally works to tailor coverage that meets specific waterfront and low-lying area needs common to this coastal city. After heavy seasonal rains or hurricane threats, it helps residents address the urgency of obtaining coverage before storms make landfall.
Tracey Vinson - State Farm Insurance Agent serves Portsmouth, Virginia, and the surrounding Hampton Roads communities. This local office handles flood insurance policies for residential and commercial properties. It assesses each property's flood zone designation and individual risk factors to recommend appropriate coverage. The typical approach involves a thorough consultation to explain policy details and claim procedures, followed by the preparation of personalized quotes that address specific needs and budget requirements.
Terry Friar of State Farm Insurance in Portsmouth, VA offers flood insurance on both a one-time policy for new homebuyers and a recurring annual plan for ongoing protection. Each policy covers structural flood damage to residences and personal property within the city. Service is provided on an as-needed basis when clients request an initial policy consultation or file a claim.
With Portsmouth’s hurricane season and tidal flooding posing recurring risks to property owners, Heritage Insurance Agency provides guidance on flood insurance policies tailored to local needs. The company helps residents understand National Flood Insurance Program options and private coverage that can protect homes and belongings from water damage. By reviewing property elevations and flood zone maps in Hampton Roads, the agent identifies suitable coverage limits and deductibles for each client. An initial property inspection or phone consultation begins every assessment of flood risk.
Willis Roberts: Allstate Insurance provides flood insurance coverage and complementary property protection options for clients in Portsmouth, Virginia. The agency evaluates individual flood risks and tailors policies to match property needs and local requirements. Companies and property owners rely on this office for navigating National Flood Insurance Program options and securing appropriate coverage. The agency serves a variety of commercial sectors, including offices, warehouses, and food service establishments.
Members Assurance Property & Casualty serves residential clients in Portsmouth, Virginia with flood insurance coverage tailored to local properties. The agency also provides commercial policies for area businesses needing protection against flood-related risks. Their team assists homeowners and commercial operators throughout the Portsmouth region. Policyholders typically receive guidance on renewals and updates to match changing flood zone requirements. Clients often return for annual policy reviews or adjustments after major weather events, ensuring their coverage remains current between regular seasonal visits.
Serenity Insurance Agency Portsmouth in Portsmouth, VA is known for providing flood insurance coverage tailored to property owners in the local area. The agency serves clients seeking protection against flooding risks common to Hampton Roads communities. Services include policy assessments for homes and businesses situated in designated flood zones. The office can discuss coverage options, adjust limits, and assist with claims support after a flood event. An added specialty service is helping clients navigate FEMA map updates and required elevation certificate documentation.
Atlantic Charter Insurance Group in Portsmouth, Virginia provides residential flood insurance coverage designed to protect homeowners against water damage. The agency also offers commercial flood insurance policies for local businesses throughout the Hampton Roads area. Their team works with clients to explain available coverage options and policy requirements. Between regular National Flood Insurance Program updates or after storms, they assist with policy reviews and claim guidance for ongoing protection.
What Does a a Flood Insurance Agent in Portsmouth Cost?
Flood insurance premiums in Portsmouth depend on the flood zone, building characteristics, and coverage selected. For a standard NFIP policy, annual costs often range from 700 to 2,500 dollars. High-value or high-risk properties may cost more. Private insurers may offer competitive rates for lower-risk homes. This is general information and not insurance advice.
About flood insurance agents in Portsmouth
Flood insurance agents in Portsmouth, Virginia help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Portsmouth is in a coastal flood zone, and Virginia law requires lenders to mandate flood insurance for properties in high-risk areas. Agents guide you through flood maps, elevation certificates, and policy limits to meet local requirements.
Frequently Asked Questions
Do I need flood insurance in Portsmouth Virginia?
If your property is in a Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, flooding can occur, and agents can help you assess your risk.
What does a flood insurance agent do in Portsmouth?
A flood insurance agent helps you choose a policy that fits your property and budget. They explain coverage options, assist with elevation certificates, and ensure compliance with Virginia floodplain management rules.
How much does flood insurance cost in Portsmouth Virginia?
Costs vary based on flood zone, building elevation, and coverage amount. In Portsmouth, typical NFIP policies range from 700 to 2,500 dollars per year. Private market options may offer different rates. An agent can provide a quote for your specific property.
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