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HomeFlood Insurance AgentsCalifornia › Lake Forest

Find Flood Insurance Agents Near You in Lake Forest, CA

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

The top-rated flood insurance agent in Lake Forest, California is Blackwell Insurance Agency, rated 5.0 stars across 647 reviews. Other highly rated options include Culver Insurance Services, Steven Wang - State Farm Insurance Agent, Sun Coast General Insurance. This directory lists 19 flood insurance agents serving Lake Forest.

Showing 19 flood insurance agents in Lake Forest, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Blackwell Insurance Agency23002 Lake Center Dr # 200(949) 421-0222
2Culver Insurance Services23681 Birtcher Dr(949) 461-0800
3Steven Wang - State Farm Insurance Agent20331 Lake Forest Dr c5(949) 770-8000
4Sun Coast General Insurance11 Orchard Rd STE 104(949) 768-1180
5Bradley Purcell - State Farm Insurance Agent20331 Lake Forest Dr c5(949) 203-3600
6California Southwestern Insurance Agency25 Orchard Rd Suite 100(949) 588-8844
7Budget Health Insurance24296 Swartz Dr(800) 306-1200
8Reeves-Reeves and Associates Insurance Services23725 Birtcher Dr(949) 458-9999
9Aucoin Insurance and Financial Services21991 El Toro Rd Ste 4(949) 273-8047
10Farmers Insurance - Saeda Turk22481 El Toro Rd Ste C(949) 328-0288
BI
23002 Lake Center Dr # 200
Blackwell Insurance Agency
Flood Insurance Agent · Lake Forest, CA

Blackwell Insurance Agency serves Lake Forest and the broader Orange County area as a local flood insurance agent. The firm works with property owners to assess flood risk and secure appropriate coverage from the National Flood Insurance Program. It guides clients through the specific requirements for properties in designated flood zones common to this coastal region. The agency also assists with obtaining excess flood insurance policies for higher-value homes and commercial buildings in high-risk areas.

CI
23681 Birtcher Dr
Culver Insurance Services
Flood Insurance Agent · Lake Forest, CA

Culver Insurance Services provides flood insurance solutions for residential and commercial clients in Lake Forest, CA. Their service plans include policy review and claims assistance for those seeking protection against flood-related property damage. They also offer guidance on federal and private coverage options to meet varying risk levels. The agency services single-family homes, apartments, retail spaces, and restaurants.

SW
20331 Lake Forest Dr c5
Steven Wang - State Farm Insurance Agent
Flood Insurance Agent · Lake Forest, CA

Serving Lake Forest and the surrounding Orange County communities, Steven Wang - State Farm Insurance Agent handles flood insurance policies for homeowners and renters. In a region prone to seasonal storms and unpredictable water damage, the agency helps clients understand flood zone risks and coverage options. It reviews individual property needs and policy details to recommend appropriate limits. To handle a typical job, the agent assesses the client’s location, explains the standard waiting period, and coordinates with the National Flood Insurance Program to ensure proper enrollment.

SC
11 Orchard Rd STE 104
Sun Coast General Insurance
Flood Insurance Agent · Lake Forest, CA

Sun Coast General Insurance serves homeowners, businesses, and property managers in Lake Forest, California, who need specialized flood insurance coverage to protect their assets from water damage. The agency helps clients navigate flood zone requirements and policies from the National Flood Insurance Program and private carriers. It assists with risk assessment, policy selection, and claims guidance for properties in flood-prone areas. Sun Coast General Insurance also extends its flood insurance services to neighboring communities throughout Orange County, including Mission Viejo.

BP
20331 Lake Forest Dr c5
Bradley Purcell - State Farm Insurance Agent
Flood Insurance Agent · Lake Forest, CA

Bradley Purcell, a State Farm Insurance agent in Lake Forest, CA, differentiates between one-time flood insurance policies for specific property purchases and recurring annual policies that renew to ensure continuous coverage. His services address protection for structures and contents against flood damage, which is a significant risk in this region. Coverage options are explained to help clients understand the nuances of flood zone designations and policy limitations. Service for existing policy reviews, new quote consultations, and claim assistance runs on both a scheduled and as-needed basis.

CS
25 Orchard Rd Suite 100
California Southwestern Insurance Agency
Flood Insurance Agent · Lake Forest, CA

California Southwestern Insurance Agency in Lake Forest specializes in helping homeowners and businesses secure flood policies through the National Flood Insurance Program. It also assists with adjusting existing coverage to meet evolving local flood zone requirements. The agency guides clients in understanding flood maps and elevation certificates. This is particularly valuable during the rainy season when flash flooding risks increase in coastal and canyon areas.

BH
24296 Swartz Dr
Budget Health Insurance
Flood Insurance Agent · Lake Forest, CA

After seasonal rains threaten Lake Forest homes, flood insurance agents help property owners understand their local risk in a FEMA-designated zone. Budget Health Insurance specializes in flood coverage, guiding clients through National Flood Insurance Program options. Agent consultations start with basic flood zone inquiries and property elevation questions. They provide clarity on federal requirements for mortgage compliance. An inspection of the home’s features, such as foundation type and drainage, typically follows the initial phone discussion.

RR
23725 Birtcher Dr
Reeves-Reeves and Associates Insurance Services
Flood Insurance Agent · Lake Forest, CA

Reeves-Reeves and Associates Insurance Services helps residents of Lake Forest, California, secure residential flood insurance, safeguarding homes against water damage from storms or rising waterways. The agency also arranges commercial coverage for local businesses requiring protection from similar flood risks throughout the surrounding area. Their team works to find policies that fit each client's specific property situation. After an initial policy is in place, they assist with follow-up needs and help manage any necessary updates or modifications between regular service visits.

AI
21991 El Toro Rd Ste 4
Aucoin Insurance and Financial Services
Flood Insurance Agent · Lake Forest, CA
FI
22481 El Toro Rd Ste C
Farmers Insurance - Saeda Turk
Flood Insurance Agent · Lake Forest, CA

Farmers Insurance - Saeda Turk provides flood insurance coverage to property owners in Lake Forest, California. The agency specializes in protecting residential and commercial structures against rising water damage, offering policies that address both federal requirements and private market needs for additional coverage. Clients can request tailored protection for their homes, rental properties, and condominiums. The agent also serves commercial sectors such as local offices, warehouses, and food service establishments, helping businesses safeguard their physical assets from flood-related loss.

HU
23783 El Toro Rd
Help U Save Insurance
Flood Insurance Agent · Lake Forest, CA
(949) 432-6079
SI
23832 Rockfield Blvd #175
Sabeti Insurance & Investment Services
Flood Insurance Agent · Lake Forest, CA
(949) 679-3500
sabetiinsurance.com
ML
23532 El Toro Rd #7
My L&J Insurance Services Inc.
Flood Insurance Agent · Lake Forest, CA
(949) 707-1172
dmv.ca.gov/portal/business-partner/my-l-j-insurance-service
BC
24296 Swartz Dr
Budget Contractors Insurance
Flood Insurance Agent · Lake Forest, CA
(949) 676-2125
budgetcontractorsinsurance.com
LF
23591 El Toro Rd #230
Lake Fores Auto Insurance Searchers
Flood Insurance Agent · Lake Forest, CA
(971) 433-4901
FI
22821 Lake Forest Dr
Friant Insurance
Flood Insurance Agent · Lake Forest, CA
(949) 837-8310
FI
1 Orchard Rd #210
Farmers Insurance - Richard Tyler
Flood Insurance Agent · Lake Forest, CA
(949) 713-5881
agents.farmers.com/ca/lake-forest/richard-tyler
FI
23101 Lake Center Dr #330
Farmers Insurance - Bradley Hume
Flood Insurance Agent · Lake Forest, CA
(949) 830-7970
agents.farmers.com/ca/lake-forest/bradley-hume
OI
22934 El Toro Rd
Oakhurst Insurance
Flood Insurance Agent · Lake Forest, CA
(877) 342-9870

What Does a a Flood Insurance Agent in Lake Forest Cost?

The cost of flood insurance in Lake Forest California depends on your flood zone building elevation and deductible choice. NFIP maximum coverage is 250000 dollars for the building and 100000 dollars for contents with annual premiums often between 700 and 2000 dollars for a single-family home. Private flood insurance can sometimes be cheaper but requires a detailed risk assessment. This is general information and not insurance advice.

About flood insurance agents in Lake Forest

Flood insurance agents in Lake Forest California help property owners secure coverage through the National Flood Insurance Program and private markets. Lake Forest is located in Orange County where certain areas fall within Special Flood Hazard Areas. California law requires lenders to mandate flood insurance for properties in high-risk zones with a federally backed mortgage.

Frequently Asked Questions

Do I need flood insurance in Lake Forest California?

If your property is in a Special Flood Hazard Area and you have a federally backed mortgage your lender will require flood insurance. Even outside high-risk zones flood insurance is recommended as 25 percent of flood claims come from low-to-moderate risk areas. California does not have a state mandate for flood insurance beyond federal lender requirements.

What does a flood insurance agent in Lake Forest do?

A flood insurance agent helps you determine your flood zone risk and compares NFIP policies with private flood insurance options. They assist with completing the application and elevation certificate requirements. Agents also explain waiting periods which are typically 30 days for NFIP policies.

How much does flood insurance cost in Lake Forest California?

Costs vary by property location elevation and coverage amount. For an NFIP policy in Lake Forest annual premiums typically range from 700 to 2000 dollars for a standard home. Private flood insurance may offer lower rates or higher limits but each policy is individually rated.

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.