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HomeFlood Insurance AgentsCalifornia › Escondido

Find Flood Insurance Agents Near You in Escondido, CA

Browse flood insurance agents serving Escondido, California. Updated 2026-07-14.

The top-rated flood insurance agent in Escondido, California is Only Way Insurance-Escondido, rated 4.9 stars across 353 reviews. Other highly rated options include Adriana's Insurance Services, HJM Insurance Services, Inc., Tim Giblin - State Farm Insurance Agent. This directory lists 20 flood insurance agents serving Escondido.

Showing 20 flood insurance agents in Escondido, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Only Way Insurance-Escondido728 N Escondido Blvd ste c(562) 239-2869
2Adriana's Insurance Services601 N Broadway ste c(760) 616-5900
3HJM Insurance Services, Inc.500 La Terraza Blvd Suite 150(760) 546-2546
4Tim Giblin - State Farm Insurance Agent133 S Escondido Blvd(760) 741-1188
5Buggie Dugger Jr - State Farm Insurance Agent240 W Crest St Suite B(442) 248-8701
6Christopher Timmons: Allstate Insurance1340 W Valley Pkwy Ste 206(760) 737-7424
7All Discount Insurance Services, Inc.150 W El Norte Pkwy #B(760) 738-7766
8Goosehead Insurance - Jared Norton500 La Terraza Blvd Suite 150(619) 452-1771
920/20 Insurance Services225 W Valley Pkwy #101(760) 432-2020
10Love Insurance Agency303 E 2nd Ave(951) 482-8873
OW
728 N Escondido Blvd ste c
Only Way Insurance-Escondido
Flood Insurance Agent · Escondido, CA

Only Way Insurance-Escondido serves San Diego County and the surrounding region of Escondido, California, as a dedicated flood insurance agent. The agency helps property owners navigate National Flood Insurance Program policies and private flood coverage options. It assists clients in assessing flood risk, completing applications, and understanding policy exclusions. The company handles residential flood policies for homes near creeks and drainage channels, as well as commercial flood coverage for local businesses in designated flood zones.

AS
601 N Broadway ste c
Adriana's Insurance Services
Flood Insurance Agent · Escondido, CA

Adriana's Insurance Services assists homeowners, businesses, and property managers in Escondido, California, with obtaining flood insurance coverage. The agency helps clients assess their flood risk and navigate the process of securing a policy to protect their property. Each plan is tailored to the specific needs of the insured structure, offering financial protection against potential water damage from storms and rising waters. The company also provides services to residents and commercial property owners throughout the neighboring communities in northern San Diego County.

HI
500 La Terraza Blvd Suite 150
HJM Insurance Services, Inc.
Flood Insurance Agent · Escondido, CA

HJM Insurance Services, Inc. provides flood insurance policies for residential and commercial clients in Escondido and the surrounding region. The agency assists with assessing a property’s flood risk, explaining coverage options, and securing protection from the National Flood Insurance Program. Maintenance plans include periodic policy reviews to adjust coverage for changing flood maps or property modifications. It services a wide range of property types, including single-family homes, apartment buildings, retail spaces, and restaurants.

TG
133 S Escondido Blvd
Tim Giblin - State Farm Insurance Agent
Flood Insurance Agent · Escondido, CA

Homeowners, businesses, and property managers in Escondido rely on Tim Giblin State Farm Insurance Agent for flood insurance policies that protect against water damage from heavy rains or rising water tables. The agency explains coverage options, helps clients assess their property’s specific flood risk, and assists with claims filing after a storm event. Its services also extend to nearby communities such as San Marcos and parts of northern San Diego County.

BD
240 W Crest St Suite B
Buggie Dugger Jr - State Farm Insurance Agent
Flood Insurance Agent · Escondido, CA

Buggie Dugger Jr - State Farm Insurance Agent serves Escondido, California, and the surrounding Inland North County communities. It handles residential and commercial flood insurance policies, covering damage from rising water and storm runoff. The agent reviews each property’s flood zone designation and elevation data to assess risk. The paperwork includes explaining coverage limits and waiting periods. For a typical job, it starts with a consultation, then submits the application directly to the carrier and walks the client through the policy’s terms and claims process.

CT
1340 W Valley Pkwy Ste 206
Christopher Timmons: Allstate Insurance
Flood Insurance Agent · Escondido, CA

Christopher Timmons: Allstate Insurance in Escondido, CA, assists property owners in securing flood insurance policies, distinguishing between one-time coverage for specific flood events and recurring annual plans that protect against seasonal risks. Policies generally cover structural damage and contents loss from rising waters, including in flood-prone areas near local waterways. Most policies are written for an annual term with renewal options. Clients request a quote for a single event or establish a scheduled policy, with service ultimately provided on an as-needed basis for new policies and scheduled annual renewals.

AD
150 W El Norte Pkwy #B
All Discount Insurance Services, Inc.
Flood Insurance Agent · Escondido, CA

All Discount Insurance Services, Inc. specializes in locating and comparing flood insurance policies from multiple carriers. As a flood insurance agent in Escondido, CA, it assists property owners with navigating NFIP guidelines and private market alternatives to secure adequate coverage for homes and businesses. The company works to match each client with a suitable plan that meets their specific flood zone requirements. It often helps customers address coverage gaps encountered during the spring rainy season or after a severe winter storm.

GI
500 La Terraza Blvd Suite 150
Goosehead Insurance - Jared Norton
Flood Insurance Agent · Escondido, CA

In coastal Southern California, the changing seasons can bring unpredictable rain and flash flooding, making flood protection a necessity for homeowners. Goosehead Insurance, operated by Jared Norton in Escondido, provides flood insurance agent services tailored to local properties and their unique risks. The company guides clients through policy options that address potential water damage from storms or rising runoff. An initial property inspection and risk assessment are conducted at the home to determine appropriate coverage limits and deductibles for each individual situation.

22
225 W Valley Pkwy #101
20/20 Insurance Services
Flood Insurance Agent · Escondido, CA

20/20 Insurance Services in Escondido, CA, handles residential flood insurance for homeowners and renters seeking to protect properties from water damage. The agency also offers commercial flood coverage for local businesses requiring policies tailored to their specific needs. Service extends throughout Escondido and the surrounding North County inland areas. Clients often return for follow-up annual reviews on their flood exposure, and the same agent typically handles repeat adjustments or policy updates between regular visits.

LI
303 E 2nd Ave
Love Insurance Agency
Flood Insurance Agent · Escondido, CA
KD
330 W Felicita Ave # E4
King Deppe Insurance
Flood Insurance Agent · Escondido, CA
(760) 871-8772
KI
1310 E Valley Pkwy Ste 104
Khasim Insurance Agency
Flood Insurance Agent · Escondido, CA
(760) 781-1555
khasiminsurance.net/contact.aspx
TI
723 S Escondido Blvd
Tricolor Insurance Services, Inc
Flood Insurance Agent · Escondido, CA
(760) 291-0215
tricolorins.com
VC
420 S Broadway #201
Valley Center Insurance Agency, Inc - Escondido
Flood Insurance Agent · Escondido, CA
(760) 746-0721
vciainc.com
FL
2319 E Valley Pkwy ste c
Fast Lane Insurance Services
Flood Insurance Agent · Escondido, CA
(760) 839-1400
fastlaneinsurance.com
BI
725 E Valley Pkwy
Brouwer Insurance
Flood Insurance Agent · Escondido, CA
(760) 745-5151
brouwerinsurance.com
KI
1530 S Escondido Blvd A
Kebco Insurance
Flood Insurance Agent · Escondido, CA
(760) 741-1551
kebcoinsurance.com
YG
1637 E Valley Pkwy #2033
Your Good Insurance Agency
Flood Insurance Agent · Escondido, CA
(858) 244-6575
yourgoodinsurance.com
DW
1081 Borden Rd UNIT 107
De Witt Insurance Services
Flood Insurance Agent · Escondido, CA
(760) 747-9596
dewittinsuranceservices.com
HI
520 W Valley Pkwy
Hannify Insurance Agency
Flood Insurance Agent · Escondido, CA
(800) 734-6544
kevinhannify.com

What Does a a Flood Insurance Agent in Escondido Cost?

The average cost of a flood insurance policy in California through the NFIP is about $700 to $1,200 per year for a standard home, but rates can be higher in high-risk zones. Private flood insurance may range from $400 to $2,500 annually depending on property value and flood risk. Elevation certificates and building characteristics also affect premiums. This is general information, not insurance advice.

About flood insurance agents in Escondido

Flood insurance agents in Escondido help homeowners and businesses secure coverage through the National Flood Insurance Program or private insurers. California law requires lenders to mandate flood insurance for properties in high-risk flood zones. Agents can evaluate your property risk and explain policy options tailored to Escondido locations near seasonal creeks or low-lying areas.

Frequently Asked Questions

Do I need flood insurance in Escondido California?

Flood insurance is not required by California state law for all properties. However, if your property is in a Special Flood Hazard Area designated by FEMA, your mortgage lender will likely require it. Escondido has areas near Escondido Creek and other drainage channels that may fall into high-risk zones.

What does a flood insurance agent in Escondido do?

A flood insurance agent helps you assess your flood risk, compare NFIP and private flood insurance options, and complete the application. They also explain coverage limits, deductibles, and the 30-day waiting period before most policies take effect. Agents can assist with elevation certificates and flood zone map reviews.

How quickly does flood insurance coverage start in California?

Standard NFIP policies have a 30-day waiting period from the date of application and payment. There are exceptions for flood map changes or new mortgage requirements. Private insurers may offer shorter waiting periods, but you should plan ahead to avoid gaps in coverage.

Flood Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each flood insurance agent's credentials and current standing with your state Department of Insurance.