Flood Insurance in East Tennessee
At Samar I Insurance Agency, we specialize in helping homeowners throughout Knoxville, Maryville, Oak Ridge, Seymour, and Farragut protect their properties with reliable, personalized flood insurance coverage. Flooding can happen anywhere—and without the right policy, repairs and replacements can come at a steep cost.
As a locally owned, woman-led insurance agency, we go beyond basic policies. Our experienced team takes time to explain your options, ensure proper coverage, and walk you through the process from start to finish. We work closely with homeowners, realtors, and loan officers to make securing flood insurance smooth and stress-free.
Whether you’re located in a high-risk flood zone or want extra peace of mind, our East Tennessee flood insurance experts are here to help. Get the protection you need—with the personal service you deserve.
Step 1: Contact Us
Email, call, or text us and we'll get a quote started that addresses your needs
Step 2: Add Coverage
Look over your quote and make sure it's ready to become your main policy
Step 3: Peace of Mind
Your policy is active and protecting your assets from life's surprises
Why Is Flood Insurance Important?
According to the National Flood Insurance Program (NFIP), nearly 20% of all flood insurance claims are made by homeowners living in areas considered a low risk for a flood. That means regardless of whether your mortgage company required you to purchase flood insurance, your home is at risk for flooding.
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Flood insurance is a specialized policy that covers damage to your home
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Start your journey to better insurance here.
Start your journey to better insurance here.
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We love Samar and her team!!! Samar has great communication skills and a wealth of knowledge about insurance. She is someone you can trust to take great care of you, be there for you and also find you the best rate. She saved us a lot of money by switching to AAA both both home and auto! Highly recommend!
Are You Prepared?
Flood insurance provides valuable peace of mind even if you live in a low-risk area.
Flood insurance is a specialized policy that covers damage to your home and belongings caused by flooding—a risk that’s not typically covered under standard homeowners insurance. If you live in a flood-prone area or near a body of water, it can help protect you from major financial losses.
Flood insurance generally covers structural damage to your home (foundation, walls, electrical and plumbing systems) and personal property like furniture, appliances, and clothing. Coverage depends on your policy type—building, contents, or both—so it's important to review your plan carefully.
Flood insurance is required if you live in a high-risk flood zone and have a federally backed mortgage. However, even if it's not mandatory, flood insurance can be a smart investment, as floods can happen in low-risk areas too.
You can purchase flood insurance through the Samar I Insurance Agency. Your insurance agent can help you compare options and choose the best plan based on your property and location.
Flood insurance premiums vary based on your property's location, flood zone, elevation, age, and the amount of coverage you select. Policies in lower-risk areas are generally more affordable. Requesting a personalized quote is the best way to get an accurate cost.
