The top-rated flood insurance agent in Lompoc, California is Julio's Auto Insurance, rated 4.9 stars across 81 reviews. Other highly rated options include Farmers Insurance - Andra Campbell, Fiesta Auto Insurance & Tax Service, Charles W Walker Insurance. This directory lists 18 flood insurance agents serving Lompoc.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Julio's Auto Insurance | 705 E Ocean Ave | (805) 430-9700 |
| 2 | Farmers Insurance - Andra Campbell | 125 W Ocean Ave | (805) 757-5055 |
| 3 | Fiesta Auto Insurance & Tax Service | 726 N H St | (805) 944-1012 |
| 4 | Charles W Walker Insurance | 201 N H St | (805) 736-4162 |
| 5 | James Hinshaw: Allstate Insurance | 830 E Ocean Ave | (805) 736-8944 |
| 6 | Julia Tipolt - State Farm Insurance Agent | 3865 Constellation Rd B | (805) 733-4545 |
| 7 | First American Title Company | 100 S H St | (805) 737-3736 |
| 8 | Kelly Breen: Allstate Insurance | 3757 Constellation Rd | (805) 735-6466 |
| 9 | Servicios Maya / Maya Insurance Agency | 717 E Ocean Ave | (805) 741-5050 |
| 10 | Farmers Insurance - Rebecca Stouppe | 115 E College Ave Ste 3 | (805) 736-7000 |
Julio's Auto Insurance serves Lompoc and the surrounding Santa Barbara County area as a dedicated flood insurance agency. They assist property owners in securing coverage against water damage from rising waters and storm surges. The company works to help clients understand federal flood program requirements and policy limits. Each recommendation considers the property’s specific flood zone and risk in this Central Coast region. The agency handles residential flood policies and commercial flood insurance applications for area businesses.
Farmers Insurance - Andra Campbell in Lompoc, CA offers flood insurance policies designed to protect properties from water damage caused by rising waters. The agency provides guidance on coverage options and assists clients with policy renewals and claims filing. Its service includes explaining flood zone requirements and helping customers choose appropriate deductibles. The agency serves single-family homes, apartments, retail spaces, and restaurants in the Lompoc area.
Fiesta Auto Insurance & Tax Service specializes in flood insurance policies for residential and commercial properties in Lompoc, California. The agency provides general property coverage services, helping property owners understand the unique risks associated with local flood zones and water damage. By assessing federal flood map designations and community floodplain regulations, it assists clients in selecting appropriate plans for their homes or businesses. This service becomes especially vital during the rainy season and when winter storms elevate the risk of flash flooding in low-lying areas around the Santa Ynez River.
Charles W Walker Insurance serves residents and businesses in Lompoc and across the broader Santa Barbara County coastal region, handling comprehensive flood insurance policies for properties vulnerable to heavy seasonal rains and Pacific storm runoff. The agency assists clients in navigating federal flood zone regulations and choosing appropriate coverage limits that meet mortgage lender requirements and personal asset protection needs. It approaches each client’s unique risk profile by conducting a thorough review of local flood maps and elevation data before recommending a tailored policy.
Homeowners, businesses, and property managers in Lompoc rely on James Hinshaw: Allstate Insurance for flood insurance agent services. The agent evaluates local flood risk and helps clients secure coverage that protects structures and possessions from water damage. Policies are designed to meet mortgage requirements and offer financial stability during severe weather events. An individual consultation can clarify coverage limits and deductible options. This agency also serves clients throughout the Santa Ynez Valley and surrounding areas of Santa Barbara County.
Julia Tipolt - State Farm Insurance Agent in Lompoc, CA, specializes in providing flood insurance policies tailored to protect homes and businesses from water damage. The agency also assists clients with a full range of standard insurance needs, including auto, life, and homeowners coverage. Flood insurance is particularly vital in this region due to seasonal heavy rains and the risk of flash flooding from nearby creeks and coastal storms.
First American Title Company handles flood insurance in Lompoc, CA, distinguishing between one-time policy placements for real estate transactions and recurring annual coverage for ongoing property protection. Their services help homeowners and buyers navigate federal requirements for properties in designated flood zones. The agency operates on a scheduled basis, aligning with standard policy renewal cycles and mortgage lender deadlines.
Kelly Breen: Allstate Insurance works with property owners in Lompoc, California, to assess flood risks for residential and commercial buildings. The agency specializes in securing flood insurance policies that protect against water damage from storms or rising groundwater. Flood insurance agents guide clients through coverage options for both structures and their contents. They also advise on local flood zone requirements and elevation certificate considerations. The agency can serve diverse commercial sectors, including offices, warehouses, and food service establishments.
With the rainy season and occasional storm surge affecting Lompoc, Servicios Maya / Maya Insurance Agency provides flood insurance coverage tailored to local property needs. They assist homeowners and small business owners in understanding the importance of protecting against water damage from overflowing creeks or heavy runoff. The company helps clients assess their current risk level and potential coverage gaps. A typical first step involves scheduling an inspection of the property to evaluate flood zone exposure and discuss policy options.
Farmers Insurance - Rebecca Stouppe in Lompoc, CA, provides residential flood insurance to help homeowners protect their properties from water damage, along with commercial coverage tailored to local businesses in the area. Serving Lompoc and surrounding communities, the agency evaluates individual risk factors to recommend appropriate policy options. Clients can schedule follow-up appointments to review coverage or update policies between regular annual visits.
What Does a a Flood Insurance Agent in Lompoc Cost?
Typical flood insurance costs for a Lompoc property range from 600 to 1500 dollars per year for NFIP policies in moderate risk zones. High risk flood zone properties may see premiums from 2000 to 4000 dollars annually. Elevation certificates and building age also affect pricing. This is general information and not insurance advice.
About flood insurance agents in Lompoc
Flood insurance agents in Lompoc California help property owners secure coverage through the National Flood Insurance Program or private insurers. Lompoc is located in Santa Barbara County where some areas fall within FEMA designated flood zones. California law requires lenders to mandate flood insurance for properties in high risk areas with federally backed mortgages.
Frequently Asked Questions
What does a flood insurance agent in Lompoc do?
A flood insurance agent in Lompoc helps you assess your flood risk and find a policy that meets your needs. They review FEMA flood maps for your property and explain coverage options. They also assist with filing claims and adjusting coverage as flood zone designations change.
Is flood insurance required in Lompoc California?
Flood insurance is not required by state law but is mandatory for properties in FEMA high risk flood zones with a federally backed mortgage. Lenders may also require it for properties in moderate risk areas. Even if not required, many homeowners in Lompoc choose coverage due to local flood risks from heavy rain and storm runoff.
How much does flood insurance cost in Lompoc California?
Flood insurance costs vary based on your property's flood zone elevation and building characteristics. In California NFIP policies average around 700 to 1000 dollars per year for low risk areas. High risk zones can cost 2000 dollars or more annually. Private market policies may offer different rates and coverage limits.
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