Reliable Flood Insurance with Sargent Insurance Agency

Protect your home from flood damage in Arkansas.

Flooded home with water

Protect your home from rising waters with the right flood insurance coverage

Don’t Wait Until It’s Too Late

Flooding is one of the most common and costly natural disasters in the United States. Standard homeowner’s policies don’t cover it. Even if you don’t live in a high-risk area, one heavy storm could cause serious damage.

At Sargent Insurance Agency, we help Arkansas families like yours find affordable and reliable flood insurance that keeps your property and your peace of mind protected year-round.

Flood insurance is a separate policy that protects your home from rising water due to events like river overflows, heavy rainfall, or flash floods. Offered through the National Flood Insurance Program (NFIP) and private insurers, it typically covers:

  • Foundation, walls, and core systems (HVAC, plumbing, electrical)
  • Appliances (e.g., water heater, washer, dryer)
  • Personal belongings and furniture
  • Rebuilding or replacement costs (depending on policy type)

Without flood insurance, these costs fall on you—and recovery can cost tens of thousands of dollars.

Flood insurance isn’t just for coastal or high-risk areas—over 25% of flood claims come from moderate- to low-risk zones. Consider this coverage if:

  • You live near a body of water or low-lying land
  • Your area sees heavy seasonal rain or hurricanes
  • You need to meet lender requirements in high-risk zones
  • You want peace of mind and protection from unexpected flooding

We’ll help assess your property’s risk and tailor a policy to match.

We provide access to both NFIP and private flood insurance options:

NFIP (National Flood Insurance Program):

  • Backed by FEMA
  • Standard coverage limits ($250K dwelling / $100K contents)
  • 30-day waiting period unless required by a loan

Private Flood Insurance:

  • Higher coverage limits
  • Extra features like temporary housing and basement contents
  • Shorter or no waiting period in some cases

We’ll help you choose the right fit for your situation and budget.

Flood insurance premiums are based on:

  • Your home’s location and flood zone
  • Structure type and elevation
  • Coverage limits and deductible selections

We compare rates from trusted providers to find options that protect your home and wallet.

We’re a local, family-led agency that understands Arkansas homes and weather patterns. When you partner with us, you get:

  • Face-to-face, friendly guidance
  • Custom policy recommendations
  • Quick, reliable claim support
  • Long-term protection from someone who’s just down the street

We’re with you before the storm, during it, and after the waters recede.

Protecting what matters most starts with a conversation

Whether you’re looking for new coverage, updating your current plan, or have a few questions, we’re here for you.

No pressure. No hassle. Just honest, friendly advice from a team that’s always nearby. Call us today or ask for a callback. We’re right down the road and ready to help.

Contact Us

We are here to help
Thanks! , you can now fill the form!