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Directory of flood insurance agents in San Lorenzo, California. Verify credentials with the state department of insurance before hiring.
4 agents listed
Updated May 2026
San Lorenzo, 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 4 flood insurance agents in San Lorenzo, 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.
Saveguard Insurance & DMV Registration Services
17860 Hesperian Blvd, San Lorenzo, CA 94580
(510) 258-0767
saveguardins.com
Farmers Insurance - Ana Alvarez
15845 Channel St c, San Lorenzo, CA 94580
(510) 294-8803
agents.farmers.com
Iwan Tunggal: Allstate Insurance
17259 Hesperian Blvd Ste 15, San Lorenzo, CA 94580
(510) 266-0444
agents.allstate.com
Fleet Line Insurance Services Inc
16444 Ashland Ave, San Lorenzo, CA 94580
(800) 405-7421
Flood insurance agents in San Lorenzo help property owners secure coverage through the National Flood Insurance Program or private insurers. San Lorenzo is located in Alameda County near the San Francisco Bay, where many properties fall within Special Flood Hazard Areas. California law requires lenders to mandate flood insurance for homes in high-risk zones designated by FEMA.
What Does a Flood Insurance Agent in San Lorenzo Cost?
The cost of flood insurance in San Lorenzo depends on your property's flood zone, elevation, and building characteristics. NFIP rates for a standard home can range from 700 to 2,000 dollars per year, while private policies may be higher or lower. California law requires insurers to offer flood coverage through the NFIP or private market. 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 San Lorenzo?
If your property is in a FEMA-designated Special Flood Hazard Area, your mortgage lender will require flood insurance. Even outside high-risk zones, flooding can occur from heavy rain or storm surges. Many agents recommend coverage for all San Lorenzo properties near creeks or the bay.
How do I choose a flood insurance agent in San Lorenzo?
Look for an agent licensed in California who specializes in flood policies. Check that they can explain NFIP rules and private market options. Ask about their experience with Alameda County flood maps and local elevation certificates.
What is the waiting period for flood insurance in California?
NFIP policies typically have a 30-day waiting period before coverage begins. Private insurers may have shorter waits but vary by company. Plan ahead and do not wait until a storm is forecast to buy a policy.
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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.