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Directory of flood insurance agents in Lincoln, California. Verify credentials with the state department of insurance before hiring.
8 agents listed
Updated May 2026
Lincoln, 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 8 flood insurance agents in Lincoln, 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.
Andres Ordaz - State Farm Insurance Agent
605 Lincoln Blvd #110, Lincoln, CA 95648
(916) 409-2700
andresordaz.com
Placer West Insurance Services
595 McBean Park Dr, Lincoln, CA 95648
(916) 645-7816
placerwest.com
Daren Anderson - State Farm Insurance Agent
601 McBean Park Dr #200, Lincoln, CA 95648
(916) 434-4040
darenanderson.com
Odi Ayala: Allstate Insurance
561 7th St B, Lincoln, CA 95648
(916) 408-6820
agents.allstate.com
Farmers Insurance - Austin Bowden
421 A St Ste 200a, Lincoln, CA 95648
(916) 624-2424
agents.farmers.com
Farmers Insurance - Suzie Pierroz
150 Lincoln Blvd Ste 109, Lincoln, CA 95648
(916) 645-9400
agents.farmers.com
All Types Insurance Agency
805 Тwelve Bridges Dr #15, Lincoln, CA 95648
(916) 408-7665
Cornerstone Associates Insurance
521 G St, Lincoln, CA 95648
(916) 645-3333
cornerstoneinsurance.net
Flood insurance agents in Lincoln, California help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Lincoln is located in Placer County, where parts of the city fall within Special Flood Hazard Areas (SFHAs) as mapped by FEMA. California law requires lenders to mandate flood insurance for properties in high-risk zones, making an agent essential for compliance.
What Does a Flood Insurance Agent in Lincoln Cost?
Typical flood insurance costs in Lincoln, California range from 700 to 2,500 per year for NFIP policies, depending on flood zone and building elevation. Private insurers may offer rates from 500 to 3,000 annually. Costs increase for properties in high-risk zones like Zone AE or A. Each case is unique, so an agent can provide a personalized quote. This is general information and 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 Lincoln California?
If your property is in a FEMA-designated Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, agents often recommend coverage because heavy rains and local drainage issues can cause damage.
What does a flood insurance agent in Lincoln do?
A flood insurance agent assesses your property risk using FEMA flood maps, explains NFIP and private policy options, and helps you choose coverage limits. They also assist with elevation certificates and claims guidance after a flood event.
How much does flood insurance cost in Lincoln California?
Costs vary by flood zone, elevation, and property value. In Lincoln, typical NFIP premiums range from 700 to 2,500 per year for standard policies. Private market policies may offer lower rates or higher limits. An agent can provide a quote based on your specific address.
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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.