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Directory of flood insurance agents in Lathrop, California. Verify credentials with the state department of insurance before hiring.
7 agents listed
Updated May 2026
Lathrop, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 7 flood insurance agents in Lathrop, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
River Islands
73 Stewart Rd, Lathrop, CA 95330
(209) 879-7900
riverislands.com
Jenifer Smith - State Farm Insurance Agent
15370 S Harlan Rd, Lathrop, CA 95330
(209) 435-3700
jsmithsf.com
American Auto & E Solutions // DBA Kamal Insurance Services
17416 Murphy Pkwy Suite #102, Lathrop, CA 95330
(209) 764-5232
aaaesolutions.com
JSSR Insurance Agency
16201 S Harlan Rd, Lathrop, CA 95330
(209) 701-6900
jssrinsuranceagency.com
Farmers Insurance - Navneet Kaur
17416 Murphy Pkwy suite 105, Lathrop, CA 95330
(209) 672-4539
agents.farmers.com
Lathrop Auto Insurance Agency California
17395 S Manthey Rd #1050, Lathrop, CA 95330
(707) 615-0115
Farmers Insurance - Remedios Corpuz
16952 S Harlan Rd, Lathrop, CA 95330
(209) 323-5455
agents.farmers.com
Flood insurance agents in Lathrop, California help property owners secure coverage through the National Flood Insurance Program or private insurers. Lathrop is located in San Joaquin County and includes areas near the San Joaquin River, which can affect flood zone designations. California law requires lenders to mandate flood insurance for properties in high-risk zones, making local agent guidance essential.
What Does a Flood Insurance Agent in Lathrop Cost?
Typical flood insurance costs in California range from 500 to 3,000 dollars per year for NFIP policies, depending on flood zone, elevation, and coverage amount. Private market policies may vary more widely. For a standard home in Lathrop, annual premiums often fall between 600 and 1,500 dollars. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance in Lathrop California?
If your property is in a FEMA-designated Special Flood Hazard Area, your mortgage lender will require flood insurance. Even outside high-risk zones, agents can help you assess whether optional coverage is wise due to local drainage and river risks.
How does a flood insurance agent in Lathrop determine my rate?
The agent uses your propertys FEMA flood map zone, elevation, building characteristics, and the NFIP rating system. California also allows private market options that may offer different pricing based on local risk data.
What is the waiting period for flood insurance in California?
Standard NFIP policies have a 30-day waiting period before coverage begins. This applies to most new policies in Lathrop, so it is important to plan ahead and not wait until a storm is forecast.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of California.