The top-rated flood insurance agent in Bakersfield, California is Elizabeth Cardenas - State Farm Insurance Agent, rated 5.0 stars across 499 reviews. Other highly rated options include Adriana's Insurance Services, Johnny Williamson - State Farm Insurance Agent, Mike Brazzell - State Farm Insurance Agent. This directory lists 20 flood insurance agents serving Bakersfield.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Elizabeth Cardenas - State Farm Insurance Agent | 5201 California Ave Suite 230 | (661) 327-0838 |
| 2 | Adriana's Insurance Services | 3900 Niles St suite 103 | (661) 246-4470 |
| 3 | Johnny Williamson - State Farm Insurance Agent | 915 17th St | (661) 324-8700 |
| 4 | Mike Brazzell - State Farm Insurance Agent | 3001 F St B | (661) 872-7770 |
| 5 | Omni Safe Insurance Bakersfield | 3401 Pacheco Rd suite i | (661) 381-2200 |
| 6 | Farmers Insurance - Marcy Parmley | 3616 Coffee Rd B | (661) 587-4554 |
| 7 | Saber Insurance Agency | 8120 Rosedale Hwy Suite 100 | (661) 365-0100 |
| 8 | InsureOne Insurance | 2100 F St | (661) 430-2004 |
| 9 | NavSav Insurance - Bakersfield | 525 H St | (661) 322-1888 |
| 10 | Oliver Insurance Agency LLC | 2508 Niles St | (661) 363-8078 |
Elizabeth Cardenas - State Farm Insurance Agent serves the Bakersfield, California metro area, specializing in flood insurance coverage for residential and commercial properties. This agency assists homeowners and business owners in understanding their flood risk zones and securing policies that meet lender requirements or personal protection needs. Available policies address scenarios such as storm surges and heavy rainfall events common to the region. The office also handles property insurance to complement flood protection for local clients.
Adriana's Insurance Services serves the city of Bakersfield, California, as a local flood insurance agent. The company helps property owners find coverage to protect against rising waters from heavy storms and other natural events. Flood insurance is often required for homes in designated flood zones, and policies are available through the National Flood Insurance Program or private carriers. The agency works with clients to determine appropriate coverage levels. It handles residential flood insurance policies and can assist with commercial property flood risk assessments in the surrounding Kern County area.
Johnny Williamson - State Farm Insurance Agent provides flood insurance policies designed to protect properties in Bakersfield from water damage. Service plans include personalized policy reviews to ensure adequate coverage limits and deductibles based on local flood zone risks. Routine assistance with claims filing and policy adjustments is offered to maintain proper protection over time. The agency services single-family homes, apartments, retail spaces, and restaurants throughout the area.
Serving the city of Bakersfield and the surrounding Kern County communities, Mike Brazzell - State Farm Insurance Agent handles flood insurance policies for homeowners and renters. The agency manages coverage to protect properties from water damage caused by heavy rains or overflowing waterways in this Central Valley region. To handle a typical job, it evaluates each client’s specific property location and flood risk to recommend an appropriate policy option from a standard selection of plans.
Omni Safe Insurance Bakersfield assists homeowners, businesses, and property managers in securing flood insurance policies to protect their assets from water damage. The agency guides clients through available coverage options and policy requirements for the region. It aims to help residents and commercial operators understand their risk exposure and obtain suitable protection. Omni Safe Insurance Bakersfield also extends its flood insurance services to clients in the nearby community of Oildale and surrounding areas of Kern County.
Farmers Insurance - Marcy Parmley in Bakersfield, CA, offers flood insurance as either a one-time policy for isolated coverage or a recurring annual plan for ongoing protection. Policies typically cover structural damage and personal property loss caused by rising water, as well as debris removal and basement repairs. Standard exclusions include gradual seepage and lack of floodproofing, which agents clarify during enrollment. Services are provided on a one-time basis for single-event needs or as a scheduled policy that renews automatically each year.
Saber Insurance Agency in Bakersfield, CA, helps property owners assess and secure coverage for flood damage risks. The company specializes in flood insurance policies, which address a common gap in standard hazard plans. Its agents guide clients through claim protection options particular to local flood zones. Services are available for commercial sectors, including offices, warehouses, and food service operations.
InsureOne Insurance provides flood insurance coverage tailored to properties in the Bakersfield area, addressing risks from local waterways and seasonal rainfall. The company explains policy options, assists with the application process, and advises on plan renewals to maintain continuous protection. Services focus on helping clients understand flood zones and coverage limits under the National Flood Insurance Program. The agency serves single-family homes, apartments, retail spaces, and locally operated restaurants requiring flood safeguards.
Located in Bakersfield, California, NavSav Insurance specializes in flood insurance policies that protect residential and commercial properties from water damage. The agency works to secure coverage through various programs, helping clients understand zoning requirements and policy limits for flood-prone areas. Its services include assessing property risks and navigating federal flood insurance regulations. Because the Central Valley experiences sudden heavy rains and potential levee overflow during winter and spring, the agent assists homeowners and business owners in preparing for these seasonal threats to avoid significant financial loss.
Winter rainstorms and flash flooding can strike Kern County without warning, threatening homes in Bakersfield with costly water damage. Oliver Insurance Agency LLC addresses this exposure as a dedicated flood insurance agent, helping local property owners secure necessary coverage beyond standard homeowners policies. They guide clients through National Flood Insurance Program options and private market policies, focusing on the distinct flood risks in this inland region. An initial property assessment or risk consultation is the first step they recommend before quoting a policy.
What Does a a Flood Insurance Agent in Bakersfield Cost?
In California, flood insurance premiums for an NFIP policy in Bakersfield generally start around 500 dollars per year for low-risk zones and can exceed 3,000 dollars for high-risk areas. Private flood insurance may cost more or less depending on the property and coverage level. Factors like building elevation, age, and deductible choice affect the final price. This is general information and not insurance advice.
About flood insurance agents in Bakersfield
Flood insurance agents in Bakersfield help property owners secure coverage against flood damage. California law requires lenders to notify borrowers if their property is in a high-risk flood zone. Local agents can explain the National Flood Insurance Program rules and private market options for Kern County residents.
Frequently Asked Questions
Do I need flood insurance in Bakersfield California?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, you are required to have flood insurance. Even outside high-risk zones, flooding from heavy rain or canal overflow can occur. An agent can review your flood zone map and advise on coverage.
What does a flood insurance agent in Bakersfield do?
A flood insurance agent helps you compare NFIP policies and private flood insurance options. They assess your property risk, explain coverage limits and deductibles, and assist with the application process. They also help with claims guidance after a flood event.
How much does flood insurance cost in Bakersfield California?
Costs vary based on flood zone, elevation, building type, and coverage amount. For an NFIP policy in Bakersfield, annual premiums typically range from 500 to 3,000 dollars for standard residential coverage. Private policies may offer different rates. An agent can provide a personalized quote.
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