Personal Flood Insurance

J.T. Miller Company

Floods are the #1 natural disaster in the US, making it a top consideration for your borrowers when looking for new homes, refinances and commercial properties.

Private Flood Insurance is available for bank borrowers and individuals looking for competitive options to the National Flood Insurance Program (NFIP). J.T. Miller Company has met the need for increasing costs of flood insurance with multiple writers of Private Flood Insurance, let us help you find the best rate and policy for your property!



  • Mirrors the coverage through FEMA’s NFIP Policy
  • Short Underwriting Application
  • Does not require elevation certificate to quote in most cases
  • No waiting periods for loan closings or expiration of NFIP Policy. For all other policies we only require a 5 or 15 day waiting period
  • *Limited options available for Manufactured and Mobile Homes

See what our satisfied clients say about us

"Thanks again for doing such a great job for us, and answering ALL of our questions! We love working with you and the entire staff at J.T. Miller."

Kathy Junker

VP of Real Estate Mortgage, First State Bank & Trust - Bayport

"We really appreciate Wade & Kurt from J.T. Miller as they have taken time to explain in detail our insurance options and coverage. Because of Wade and Kurt, we believe that we have purchased the best Bond and D&O Coverage possible. Kudos to J.T. Miller!"

Dean M.

President & CEO, VisionBank

Contact Us

Now that you know the importance of flood insurance for your borrowers, reach out to learn more about how J.T. Miller Company and our agents make that possible nationwide.


J.T. Miller Company
PO Box 218
Hamel MN 55340

Fax: 763-512-2818

Hours: 8am - 4:45pm Mon.-Fri.


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