The top-rated flood insurance agent in Folsom, California is Shoua Lee - State Farm Insurance Agent, rated 5.0 stars across 288 reviews. Other highly rated options include Farmers Insurance - Maria Britton, AAA Folsom Branch, Dan Normoyle - State Farm Insurance Agent. This directory lists 18 flood insurance agents serving Folsom.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Shoua Lee - State Farm Insurance Agent | 785 Orchard Dr Ste 145 | (916) 353-5199 |
| 2 | Farmers Insurance - Maria Britton | 6611 Folsom-Auburn Rd STE C-1 | (877) 777-2469 |
| 3 | AAA Folsom Branch | 2796 E Bidwell St | (916) 351-2600 |
| 4 | Dan Normoyle - State Farm Insurance Agent | 1833 Iron Point Rd STE 180 | (916) 608-2600 |
| 5 | Republix Risk Mitigation Insurance Solutions | 503 Natoma St | (916) 800-7787 |
| 6 | Dr. Aaron Williams - State Farm Insurance Agent | 231 Blue Ravine Rd #100 | (916) 235-8565 |
| 7 | Carlson Agency Insurance Services Inc. | 9580 Oak Ave Pkwy #7-270 | (916) 439-1306 |
| 8 | Whims Insurance and Financial Services | 31 Natoma St #170 | (916) 817-6250 |
| 9 | Century Partners Insurance Agency: Allstate Insurance | 13405 Folsom Blvd STE 810 | (916) 985-8484 |
| 10 | Noble West | 205 Natoma St | (800) 391-1313 |
Shoua Lee - State Farm Insurance Agent in Folsom, CA, provides a range of flood insurance services. This includes helping local residents and business owners assess their flood risk and select appropriate coverage. The office assists with policy reviews and adjustments to ensure adequate protection as property needs change over time. It is dedicated to explaining the nuances of flood insurance, including coverage limits and deductibles. The agency serves a variety of property types in the area, including single-family homes, apartments, retail spaces, and restaurants.
Homeowners, businesses, and property managers in Folsom, CA rely on Farmers Insurance - Maria Britton for flood insurance guidance. This agency helps clients understand the importance of protecting properties from water damage common in the region. They assist with policy selection and coverage options to meet varying needs. In addition to serving Folsom residents, the agency also covers the nearby community of El Dorado Hills in the greater Sacramento metro area.
AAA Folsom Branch serves the Sacramento County area, including Folsom, California, as a flood insurance agent. The company assists property owners with applications for coverage through the National Flood Insurance Program. It also helps clients evaluate flood zone designations and understand federal requirements for mortgage lending. Policy renewals and claim support are additional services provided for local homes and businesses. The agency handles flood risk assessments and insurance paperwork for properties in designated Special Flood Hazard Areas.
Serving Folsom, CA, and the surrounding communities of El Dorado Hills, Granite Bay, and Roseville, Dan Normoyle’s agency handles specialized flood insurance policies for homes and businesses in the area. This protection covers damage from rising water, which is critical for properties near rivers and lower-lying zones. The agency assesses each client’s specific flood risk based on the property’s location and FEMA flood maps. It then works through available coverage options, tailoring a plan to fit the individual structure and budget while addressing common coverage limits and deductibles.
Republix Risk Mitigation Insurance Solutions, based in Folsom, CA, helps property owners distinguish between a single-policy purchase for a specific property and an ongoing coverage plan that renews automatically each term. The agency assists clients in navigating standard flood maps, elevation certificates, and required waiting periods to ensure adequate protection against water damage from storms or rising waterways. Services operate on both a one-time policy setup and a scheduled renewal basis, depending on the client’s property location and risk level.
Dr. Aaron Williams - State Farm Insurance Agent in Folsom, CA specializes in flood insurance, providing policies that cover structural damage and content loss due to rising water. The agency also offers general home and renters insurance to protect local property owners. These services help residents secure coverage for weather-related events common in the region, such as heavy seasonal rains that can overwhelm drainage systems. The agent actively assists homeowners before the spring thaw, when snowmelt often increases flood risk in low-lying areas near waterways.
When winter rains or sudden snowmelt threaten homes in Folsom and the surrounding foothills, Carlson Agency Insurance Services Inc. provides needed flood insurance guidance. As an agent dedicated to this specialized coverage, the company explains National Flood Insurance Program options and private policies suited to local flood zone risks. They assess each property’s unique exposure caused by area waterways and terrain. Every consultation begins with a thorough evaluation of the client’s current exposure and available protection. An initial property inspection and risk assessment is scheduled to begin the quoting process.
Whims Insurance and Financial Services offers general property and commercial risk guidance to clients in Folsom, California, with a specific focus on flood insurance agent services. They help property owners evaluate exposure to water damage and navigate National Flood Insurance Program options. The company can serve a variety of commercial sectors, including office complexes, warehouses, and food service establishments that require tailored coverage.
Century Partners Insurance Agency: Allstate Insurance provides flood insurance services to residential property owners in Folsom, California. The agency also helps commercial clients secure coverage to protect their business assets from flood damage. Service extends throughout the local area, addressing typical regional flood risks. Policyholders receive guidance on available coverage options during initial consultation and can return for adjustments when their property needs change, ensuring continued protection between regular visits or after significant weather events.
Noble West is known for specializing in flood insurance policies tailored to the unique risk profiles of homes and businesses in flood-prone areas of Folsom, CA. The agency advises property owners on National Flood Insurance Program options and private market alternatives to ensure adequate coverage for structures and contents throughout the community. Clients receive dedicated support in understanding elevation certificates coverage limits and claims procedures. Its services can be extended to include guidance on securing separate building and contents coverage for rental properties.
What Does a a Flood Insurance Agent in Folsom Cost?
The cost of flood insurance in California varies by property location, elevation, and coverage amount. For a single-family home in Folsom, annual premiums typically range from 500 to 2,500 dollars for NFIP policies. Private market policies may cost more or less depending on risk. This is general information and not insurance advice.
About flood insurance agents in Folsom
Flood insurance agents in Folsom California help homeowners and businesses understand their flood risk and secure appropriate coverage. California law requires lenders to mandate flood insurance for properties in high-risk flood zones designated by FEMA. A local agent can explain the National Flood Insurance Program rules and help you find a policy that meets your needs.
Frequently Asked Questions
Why do I need a flood insurance agent in Folsom?
Folsom is near the American River and has areas in FEMA flood zones. An agent can help you determine your flood risk and find a policy that satisfies mortgage requirements and protects your property.
Is flood insurance required by law in California?
California does not require flood insurance by state law. However, if your property is in a high-risk flood zone and you have a federally backed mortgage, your lender will require you to carry flood insurance.
What does a flood insurance policy in California typically cover?
A standard NFIP policy covers structural damage from flooding and some contents. It does not cover basement improvements or temporary housing. Your agent can explain coverage limits and exclusions.
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