The top-rated flood insurance agent in Surprise, Arizona is Oasis Insurance, rated 4.9 stars across 490 reviews. Other highly rated options include Lisa RO Ross - State Farm Insurance Agent, American Insurance Benefits - Andy Orlikoff, Michele Fanelli - State Farm Insurance Agent. This directory lists 19 flood insurance agents serving Surprise.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Oasis Insurance | 12751 W Bell Rd Suite 129 | (623) 435-4082 |
| 2 | Lisa RO Ross - State Farm Insurance Agent | 14827 W Bell Rd Ste 101 | (623) 974-2600 |
| 3 | American Insurance Benefits - Andy Orlikoff | 14955 W Bell Rd #8031 | (623) 742-3878 |
| 4 | Michele Fanelli - State Farm Insurance Agent | 18789 N Reems Rd Ste 200 | (623) 584-2885 |
| 5 | InsuranceBeacon.com | 15270 W Brookside Ln Ste 125 | (623) 584-0071 |
| 6 | Moore Insurance Agency | 15282 W Brookside Ln | (623) 556-1576 |
| 7 | Giles & Iten Insurance | 11503 W Bell Rd Suite C | (623) 201-8570 |
| 8 | The LaChance Insurance Agency | 14245 W Grand Ave Ste 3 | (623) 400-9800 |
| 9 | Aabar Insurance Services, Inc. | 15027 W Bell Rd # 150 | (623) 594-8209 |
| 10 | Allstate Insurance: Benjamin Farwell | 14843 W Bell Rd Ste 101 | (623) 584-1735 |
Oasis Insurance serves Surprise and the surrounding West Valley area of Maricopa County as a flood insurance agent. The company assists property owners with policies that cover structural damage and personal property loss caused by rising water. Its work is important because many homes in the region fall within special flood hazard zones requiring coverage. Clients can obtain standard National Flood Insurance Program policies through this office, which also provides guidance on securing excess flood coverage for high-value dwellings in the local desert landscape that are prone to flash flooding.
As a flood insurance agent in Surprise, AZ, Lisa RO Ross - State Farm Insurance Agent helps clients secure coverage that protects against flood-related property damage and financial loss. Its services include assessing flood risk for individual properties and guiding customers through policy selection to match their needs. Maintenance plans are offered to ensure that coverage keeps pace with changing flood zone maps and property values. This agency serves single-family homes, apartments, retail, and restaurants.
American Insurance Benefits - Andy Orlikoff serves homeowners, businesses, and property managers in Surprise, Arizona, who need flood insurance coverage. The agency helps clients assess their flood risk exposure and select appropriate policies from available programs. It assists with navigating application requirements, understanding policy exclusions, and managing renewals. Property owners and managers benefit from local guidance on federal and private flood insurance options. The agency also covers neighboring communities in the West Valley, including Sun City and El Mirage.
Michele Fanelli - State Farm Insurance Agent serves Surprise, Arizona, and the surrounding communities in the Phoenix metropolitan area. The agency handles flood insurance policies designed to protect residential and commercial properties from water damage caused by heavy rainfall and rising waterways. Homeowners and business owners in the region often require coverage for structures and their contents. To handle a typical job, the agent first reviews the property’s specific flood zone risk and then recommends a policy that matches the necessary coverage limits for that location.
InsuranceBeacon.com in Surprise, AZ offers both one-time flood insurance policy placements for immediate property protection and recurring service options to ensure continuous coverage as flood maps change. Their work includes assessing a home’s flood zone designation and advising on the appropriate National Flood Insurance Program or private market policy. Coverage recommendations account for Arizona’s desert flash flooding risks and monsoon season water accumulation. Service runs on a one-time, scheduled, or as-needed basis depending on each client’s renewal cycle or property transaction needs.
Specializing in flood insurance policies and flood risk assessments, Moore Insurance Agency serves homeowners and businesses in Surprise, AZ and the surrounding flood-prone areas. Working with major carriers to secure individual coverage, the agency advises on policy limits, deductibles, and NFIP compliance. Seasonal monsoon storms and flash flooding from the nearby White Tank Mountains are ongoing concerns that prompt many local property owners to review their current plans.
Spring monsoons in Surprise, Arizona often bring sudden flash flooding, putting homes and businesses at risk. Giles & Iten Insurance operates locally as a flood insurance agent, helping property owners identify vulnerability and secure appropriate coverage. They guide clients through the complexities of flood policies, ensuring an informed selection of options that match each property’s specific risk profile. A typical first step with Giles & Iten involves a thorough on-site inspection of the property to assess drainage and flood-zone exposure.
The LaChance Insurance Agency in Surprise, Arizona, assists property owners with securing standard insurance policies that do not include flood coverage. It specializes specifically in the separate flood insurance policies essential for mitigating damage from seasonal rains and flash flooding common to the region. This additional coverage protects buildings and their contents from water damage not addressed by typical homeowners or commercial plans. The agency works with a variety of commercial sectors, including local offices, warehouses, and food service establishments.
Aabar Insurance Services, Inc. serves residential property owners in Surprise, Arizona, by providing flood insurance policies that protect homes against water damage from rising waters. The agency also arranges commercial flood coverage for local businesses and serves the broader surrounding communities. Their processes include helping clients understand their risk exposure, explaining coverage limits, and managing policy documentation. Services may be revisited for policy reviews between regular seasonal visits, ensuring coverage remains aligned with property changes or shifting flood zone designations.
What Does a a Flood Insurance Agent in Surprise Cost?
Typical flood insurance costs in Arizona range from 500 to 2,500 dollars per year for an NFIP policy, depending on flood zone, building elevation, and coverage amount. Private market policies may cost more or less. Costs vary by case and property characteristics. This is general information, not insurance advice.
About flood insurance agents in Surprise
Flood insurance agents in Surprise Arizona help homeowners and renters protect against flood damage. Arizona law does not require flood insurance, but mortgage lenders in high-risk zones may mandate it. Agents can explain the National Flood Insurance Program and private options for properties near the White Tank Mountains or Agua Fria River.
Frequently Asked Questions
Is flood insurance required in Surprise Arizona?
Arizona state law does not require flood insurance. However, if your property is in a Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. Check FEMA flood maps for your specific address.
What does a flood insurance agent do in Surprise?
A flood insurance agent helps you assess your flood risk, explains coverage limits under the NFIP or private insurers, and helps you file a claim. They can also advise on elevation certificates and flood zone designations common in Surprise.
How long does it take to get flood insurance in Arizona?
Standard NFIP policies have a 30-day waiting period before coverage begins. Some private insurers may offer shorter waiting periods. Plan ahead and do not wait until a storm is forecast.
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