Look, here is the bottom line on flood insurance. Unless you use Lloyd's of London and pay 10 times what FEMA charges, then your choice is FEMA. That's really all you got here and any agent will be meaningless since they all use the same FEMA insurance. The only difference is where you mail the check, the agent then pays FEMA so it does not matter, it's all FEMA. If you have a claim your agent does not come out, they send a FEMA agent so the agent you mail your check to is irrelevant. Use the same agent you have your home owners insurance or car insurance with.