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 17 flood insurance agents in Monterey, 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.
Jim Rinehart - State Farm Insurance Agent
2511 Garden Rd Suite C-125, Monterey, CA 93940
(831) 393-8500
jimrinehart.com
AAA Monterey Branch
53 Soledad Dr, Monterey, CA 93940
(831) 645-1900
mwg.aaa.com
Farmers Insurance - Jessica Connally
404 W Franklin St Ste 102, Monterey, CA 93940
(831) 424-0829
agents.farmers.com
Natalie Hungerford: Allstate Insurance
591 Hartnell St, Monterey, CA 93940
(831) 642-6400
agents.allstate.com
Christopher Thom: Allstate Insurance
201 Calle Del Oaks Ste A, Monterey, CA 93940
(831) 373-2791
agents.allstate.com
Chuck Hewett - State Farm Insurance Agent
9 Soledad Dr C, Monterey, CA 93940
(831) 372-8006
chuckhewett.com
Cowell & Smith Insurance Agency
2250 N Fremont St, Monterey, CA 93940
(831) 372-5800
cowellandsmith.com
HUB International
401 Fremont St Unit 100, Monterey, CA 93940
(831) 373-4925
hubinternational.com
Finch and Pirkle Insurance
482 Alvarado St, Monterey, CA 93940
(831) 372-1206
finchandpirkleinsurance.com
Farmers Insurance - Anthony Parker
1193 10th St, Monterey, CA 93940
(831) 648-7090
agents.farmers.com
Arrowhead Design Insurance
99 Pacific St suite f, Monterey, CA 93940
(831) 333-9840
Nationwide Insurance: Maffei Insurance & Financial Services
480 Calle Principal Ste 4, Monterey, CA 93940
(831) 920-6533
agency.nationwide.com
Vogelpohl Insurance Services
9 Soledad Dr, Monterey, CA 93940
(831) 277-0914
vogelpohlinsurance.com
Pacific Legacy Insurance Services Inc
9699 Blue Larkspur Ln STE 101, Monterey, CA 93940
(831) 626-4561
pacificlegacyinsurance.com
Farmers Insurance - Everardo Espinoza
9621 Citation Ct Suite C, Monterey, CA 93940
(831) 920-4116
agents.farmers.com
Bray Insurance
444 Pearl St, Monterey, CA 93940
(831) 375-1600
brayinsurance.com
Monterey Bay Insurance Services Inc
311 Vía Gayuba, Monterey, CA 93940
(831) 649-6941
What Does a Flood Insurance Agent in Monterey Cost?
Flood insurance premiums in Monterey vary by property elevation, flood zone, and coverage amount. Average NFIP premiums in California range from $700 to $2,000 per year for standard policies, but high-risk coastal properties can exceed $4,000 annually. Private market rates may be lower or higher depending on risk assessment. 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 Monterey 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 25% of flood claims come from low-to-moderate risk areas.
What does a flood insurance agent do in Monterey?
A flood insurance agent assesses your property's flood risk using FEMA flood maps, explains coverage options under the NFIP or private market, and helps you complete the application. They also advise on elevation certificates and discounts for mitigation measures.