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Find Flood Insurance Agents Near You in Modesto, CA

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

The top-rated flood insurance agent in Modesto, California is SaveDirect Insurance Agency, LLC, rated 4.9 stars across 650 reviews. Other highly rated options include Farmers Insurance - Maria (Candy) Melara, TopFlight Insurance Services, Jeff Blizzard - State Farm Insurance Agent. This directory lists 32 flood insurance agents serving Modesto.

Showing 32 flood insurance agents in Modesto, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1SaveDirect Insurance Agency, LLC1800 Tully Rd G(209) 857-5877
2Farmers Insurance - Maria (Candy) Melara2507 E Hatch Rd Ste B(209) 556-9946
3TopFlight Insurance Services901 N Carpenter Rd #37(209) 622-4622
4Jeff Blizzard - State Farm Insurance Agent2209 Coffee Rd # E(209) 524-5107
5TSM Insurance Services1317 Oakdale Rd #910(209) 524-6366
6Pam Shelton-Allen - State Farm Insurance Agent3516 Oakdale Rd ste a(209) 551-0221
7Jose Quintero - State Farm Insurance Agent1620 N Carpenter Rd a3(209) 300-7849
8Mendoza Insurance Services724 E Hatch Rd(209) 488-3200
9insureCAL Insurance Agency3508 Dale Rd(209) 250-0269
10The Giuliano Insurance Agency Inc: Allstate Insurance1508 Coffee Rd Suite G(209) 578-1059
SI
1800 Tully Rd G
SaveDirect Insurance Agency, LLC
Flood Insurance Agent · Modesto, CA

SaveDirect Insurance Agency, LLC serves the Modesto, California area and specializes in flood insurance agent services. The company helps homeowners, renters, and business owners assess their flood exposure and secure appropriate coverage. Flood insurance is essential in this Central Valley region due to seasonal rainfall and proximity to waterways. SaveDirect Insurance Agency, LLC guides clients through the National Flood Insurance Program application process. It also assists with excess flood policies for properties requiring higher coverage limits.

FI
2507 E Hatch Rd Ste B
Farmers Insurance - Maria (Candy) Melara
Flood Insurance Agent · Modesto, CA

Farmers Insurance - Maria (Candy) Melara provides flood insurance coverage and risk assessment services for properties in the Modesto area. The agency offers consultation on federal flood maps and policy options, along with annual policy reviews to ensure adequate protection against rising water damage. Maintenance plans include reassessments following major weather events to adjust coverage limits. It services single-family homes, apartments, retail spaces, and restaurants.

TI
901 N Carpenter Rd #37
TopFlight Insurance Services
Flood Insurance Agent · Modesto, CA

TopFlight Insurance Services assists homeowners, businesses, and property managers throughout Modesto, California, with securing flood insurance policies to protect against rising waters. As a dedicated flood insurance agent, it helps clients understand coverage options and navigate federal requirements for properties in flood-prone zones. The agency evaluates individual risk factors and recommends appropriate plans tailored to the local area. Its services extend to covering properties in nearby Riverbank as well.

JB
2209 Coffee Rd # E
Jeff Blizzard - State Farm Insurance Agent
Flood Insurance Agent · Modesto, CA

Jeff Blizzard - State Farm Insurance Agent serves the Modesto, California area and surrounding communities, handling flood insurance policies for property owners. The company assesses individual flood risks and guides clients through policy options that meet lender and personal coverage requirements. It explains how flood insurance differs from standard homeowners coverage and addresses common concerns about waiting periods and elevation certificates. This agent takes a consultative approach to each client, reviewing property location and historical flood data to recommend appropriate coverage limits.

TI
1317 Oakdale Rd #910
TSM Insurance Services
Flood Insurance Agent · Modesto, CA

TSM Insurance Services specializes in helping property owners in Modesto, California secure flood coverage through the National Flood Insurance Program. The agency provides personalized guidance on policy options, risk assessment, and claims support for residential and commercial clients. Flood insurance is essential for protecting structures and belongings from water damage that standard homeowners policies do not cover. Because Modesto faces potential risks from seasonal heavy rains and rising water levels in nearby rivers, the agency assists customers in reviewing their coverage well before the wet winter months arrive.

PS
3516 Oakdale Rd ste a
Pam Shelton-Allen - State Farm Insurance Agent
Flood Insurance Agent · Modesto, CA

For those seeking either a single transaction or ongoing account management, flood insurance coverage helps protect properties from water damage not covered by standard policies. Located in Modesto, this agency assists local homeowners and businesses with assessing their flood risk and selecting appropriate policies. Services are available on an as-needed basis, allowing clients to request policy reviews, quotes, or claims support when circumstances require.

JQ
1620 N Carpenter Rd a3
Jose Quintero - State Farm Insurance Agent
Flood Insurance Agent · Modesto, CA

As the rainy season approaches in Modesto, flooding can become a sudden concern for many homeowners and renters. Jose Quintero - State Farm Insurance Agent offers flood insurance guidance to help clients in this Central Valley community prepare for potential water damage. This agent explains different policy options, including those from the National Flood Insurance Program, and helps match coverage to a property's specific flood risk. A typical first step involves scheduling a brief inspection of the building and its surroundings to assess drainage and foundation conditions.

MI
724 E Hatch Rd
Mendoza Insurance Services
Flood Insurance Agent · Modesto, CA

Mendoza Insurance Services in Modesto, California provides general property and casualty insurance coverage for residential and commercial clients. The agency specializes in flood insurance, helping property owners protect against water damage risks common to the Central Valley. Policies are underwritten through standard carriers, with options for high-risk zones. Commercial clients can secure coverage for offices, warehouses, and food service operations.

II
3508 Dale Rd
insureCAL Insurance Agency
Flood Insurance Agent · Modesto, CA

insureCAL Insurance Agency is known for providing flood insurance guidance tailored to property owners in Modesto, California, a city situated near rivers and floodplains. The agency helps clients understand federal flood insurance program options and assess their specific coverage needs based on local flood zone maps. It offers support for both residential and commercial properties seeking protection against water damage. For policyholders requiring additional coverage beyond standard flood insurance, the agency can arrange for excess flood protection to fill gaps in primary policies.

GI
1508 Coffee Rd Suite G
The Giuliano Insurance Agency Inc: Allstate Insurance
Flood Insurance Agent · Modesto, CA

The Giuliano Insurance Agency Inc: Allstate Insurance in Modesto, CA provides residential flood insurance coverage for homeowners. Commercial property policies are also available to protect local businesses in the area. The agency assists clients across the Central Valley with evaluating their flood risk. After a policy is in place, the team offers follow-up service to adjust coverage as needed between regular visits.

FI
1236 Floyd Ave Ste B
Farmers Insurance - Timothy McCain
Flood Insurance Agent · Modesto, CA
(209) 527-8800
agents.farmers.com/ca/modesto/timothy-mccain
TC
400 12th St #26
Teresa Clutter Insurance Services LLC
Flood Insurance Agent · Modesto, CA
(209) 836-0719
clutterinsurance.com
CB
1505 G St
C-B Associates Insurance
Flood Insurance Agent · Modesto, CA
(209) 527-8055
cbassociatesinsurance.com
MI
1337 Crows Landing Rd Suite E
Macias Insurance Services - 1337 Crows Landing
Flood Insurance Agent · Modesto, CA
(209) 523-9100
maciasinsurancemodesto.com
OP
1016 12th St Ste. A
Omega Pacific Insurance Solutions
Flood Insurance Agent · Modesto, CA
(209) 338-5500
trustomega.com
GI
912 11th St Suite 201-6
Goosehead Insurance - Anmol Grewal
Flood Insurance Agent · Modesto, CA
(209) 608-6790
goosehead.com/agents/ca/modesto/anmol-grewal
MI
1511 Crows Landing Rd
Macias Insurance Services
Flood Insurance Agent · Modesto, CA
(209) 846-9800
maciasinsurancemodesto.com
WI
2200 McHenry Ave Ste A
Wright Insurance Agency - J. David Wright, Jr Insurance
Flood Insurance Agent · Modesto, CA
(209) 526-2005
wrightinsuranceagency-jdavidwrightjrinsurance.com
TI
3501 Coffee Rd #1a
Toste Insurance Services INC
Flood Insurance Agent · Modesto, CA
(209) 338-3585
tosteins.com
FI
1050 N Carpenter Rd Ste F
Farmers Insurance - Ollson Agency
Flood Insurance Agent · Modesto, CA
ollsonagency.com
WI
1729 Tully Rd Suite 6
Wylie Insurance Services
Flood Insurance Agent · Modesto, CA
(209) 526-4402
wylieinsurance.net
FI
145 Woodrow Ave # B2
Farmers Insurance - Cathy DeBoer
Flood Insurance Agent · Modesto, CA
(209) 577-8252
agents.farmers.com/ca/modesto/cathy-deboer
GO
3540 Oakdale Rd A-1
Golden Oak Insurance Services (Insurance Broker)
Flood Insurance Agent · Modesto, CA
(209) 222-6200
goldenoakinsurance.com
RL
142 N 9th St #8
Royal Lion Insurance Agency
Flood Insurance Agent · Modesto, CA
(209) 846-9349
royallioninsurance.com
GI
1133 N Carpenter Rd #2
Got It All Insurance Agency
Flood Insurance Agent · Modesto, CA
(209) 887-8000
gotitallagency.com
MC
609 14th St
My Choice Insurance
Flood Insurance Agent · Modesto, CA
(209) 604-6758
mychoiceins.net
SI
3507 Tully Rd #100
Silva Insurance
Flood Insurance Agent · Modesto, CA
(209) 557-0501
silva-insurance.com
MV
1231 8th St #100
Mc Vey Insurance
Flood Insurance Agent · Modesto, CA
(209) 577-0177
FI
2200 McHenry Ave Ste A
Farmers Insurance - Sarah Pena
Flood Insurance Agent · Modesto, CA
(209) 577-0800
agents.farmers.com/ca/modesto/sarah-pena
WI
1100 14th St C
Winton-Ireland, Strom & Green Insurance Agency
Flood Insurance Agent · Modesto, CA
(209) 529-3480
wisg.com
FI
205 W Hatch Rd Ste 3
Farmers Insurance- Rosa Godinez
Flood Insurance Agent · Modesto, CA
(209) 577-0400
agents.farmers.com/ca/modesto/rosa-godinez
AI
3457 McHenry Ave
Alert Insurance Services Inc
Flood Insurance Agent · Modesto, CA
(209) 431-3033
alertins.com

What Does a a Flood Insurance Agent in Modesto Cost?

Typical flood insurance costs in Modesto range from 700 to 2000 dollars per year for an NFIP policy, depending on flood zone, elevation, and deductible. Private market policies may cost 400 to 1500 dollars annually but vary by risk assessment. California law does not regulate flood insurance rates; they are set by the NFIP or private insurers. This is general information and not insurance advice.

About flood insurance agents in Modesto

Flood insurance agents in Modesto help property owners secure coverage through the National Flood Insurance Program or private insurers. California law requires lenders to mandate flood insurance for properties in high-risk flood zones. Modesto residents near the Tuolumne River or Dry Creek should consider flood protection even outside mapped zones.

Frequently Asked Questions

Is flood insurance required in Modesto California?

Flood insurance is not required by state law but is mandatory for properties with federally backed mortgages in designated Special Flood Hazard Areas. Many Modesto homes near waterways may fall into these zones.

How do I find a flood insurance agent in Modesto?

You can search for licensed agents through the California Department of Insurance website or ask local real estate professionals for referrals. Agents can explain NFIP policies and private market options available in Stanislaus County.

What does flood insurance cover in California?

Standard NFIP policies cover building property up to 250000 dollars and contents up to 100000 dollars. Private policies may offer higher limits and additional coverage for temporary housing or basement items.

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.