The top-rated flood insurance agent in Lewiston, Idaho is Melody Sandahl - State Farm Insurance Agent, rated 5.0 stars across 802 reviews. Other highly rated options include Murray Insurance, Bruce Wyatt - State Farm Insurance Agent, Martin Insurance Inc. This directory lists 18 flood insurance agents serving Lewiston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Melody Sandahl - State Farm Insurance Agent | 1442 Idaho St | (208) 816-4823 |
| 2 | Murray Insurance | 1920 19th Ave | (208) 743-4880 |
| 3 | Bruce Wyatt - State Farm Insurance Agent | 502 Thain Rd | (208) 743-6249 |
| 4 | Martin Insurance Inc | 1122 Idaho St | (208) 743-6543 |
| 5 | Ace Insurance, LLC | 803 16th Ave | (208) 791-8971 |
| 6 | American Insurance | 55 Southway Ave | (208) 746-9646 |
| 7 | Farm Bureau Insurance - Robie & Orellana Insurance Agency | 609 Bryden Ave | (208) 758-9010 |
| 8 | Farmers Insurance - Albert Reagan | 618 D St Ste B | (208) 743-5441 |
| 9 | Farmers Insurance - Gregory Kimberling | 622 Bryden Ave | (208) 746-1326 |
| 10 | Clearwater Insurance- Camas Prairie Insurance | 701 Bryden Ave | (208) 746-6184 |
Melody Sandahl - State Farm Insurance Agent serves the Lewiston, Idaho area. As a flood insurance agent, the company helps property owners understand their risk and secure appropriate coverage. Policies are designed to protect homes and businesses from water damage caused by rising rivers or heavy rainfall. The agency assists with assessing individual needs and explaining policy terms for standard flood events. It handles the processing of flood insurance claims and policy renewals for local residents.
Murray Insurance provides flood insurance services for property owners in the Lewiston, Idaho area, including risk assessment consultations and policy options tailored to local flood zones. Its ongoing service offerings include annual policy reviews and claims assistance to help clients navigate the National Flood Insurance Program. The company also supports clients with elevation certificate evaluations and flood map updates. It serves various property types, from single-family homes and apartments to retail storefronts and local restaurants.
Bruce Wyatt - State Farm Insurance Agent serves homeowners, businesses, and property managers in Lewiston, Idaho, who need financial protection against flood damage. This agency helps customers understand policy options that cover rising water from natural flooding events. Services include reviewing existing coverage structures and assisting with claims when water enters a property. Clients often schedule appointments to discuss deductibles and building coverage limits specific to local flood zones. The agency also works with residents and commercial property owners throughout Clarkston, Washington, across the Snake River.
Martin Insurance Inc serves Lewiston, Idaho, and the surrounding communities in the Nez Perce County region. The agency handles residential and commercial flood insurance policies, addressing the specific risks posed by the nearby rivers and seasonal runoff. Its approach to a typical job involves a thorough assessment of a property’s flood zone designation and elevation data to find a suitable National Flood Insurance Program or private market plan for coverage.
Ace Insurance, LLC in Lewiston, ID provides one-time policy consultations for immediate property protection, or recurring service options for annual flood plan renewals and adjustments. Coverage addresses residential and commercial structures against rising water damage, flood-related debris, and ground saturation typical of the region. The office advises on federal flood maps and local rating zones. This service runs on both a one-time and as-needed basis to match client renewal cycles.
American Insurance specializes in helping Lewiston, Idaho property owners secure flood coverage. The agency guides clients through the process of obtaining policies from the National Flood Insurance Program and private markets. It serves homeowners, renters, and commercial property holders by explaining flood zones, elevation certificates, and coverage limits for buildings and contents. The team assists with claims filing and adjusting policies after significant rainfall or spring snowmelt along the Clearwater and Snake rivers, which can cause rising water levels and potential flooding for local residences and businesses.
When heavy spring rains or winter thaws threaten the Lewiston area, Farm Bureau Insurance - Robie & Orellana Insurance Agency helps property owners prepare against potential water damage. As a flood insurance agent, this company connects local homeowners and businesses with coverage that addresses rising waters from rivers or severe storms. Understanding the specific risks of the region, they provide policies designed to protect structures and belongings from flooding. Their process begins with a direct conversation to assess the property and schedule a thorough inspection of the premises.
Farmers Insurance - Albert Reagan provides flood insurance policies to property owners in the Lewiston area, protecting residential and commercial structures from water damage. The agency also offers supplemental coverage options to address gaps in standard homeowner policies, ensuring more comprehensive protection against rising water. This Lewiston-based office serves local clients seeking coverage for offices, warehouses, and food service establishments that require specialized flood-risk management tailored to their operational needs.
Farmers Insurance - Gregory Kimberling in Lewiston, ID, offers residential flood insurance for homes protected against rising waters. Commercial coverage is also available for local businesses needing financial safeguards. Policyholders across the Lewiston area can consult with an agent to review flood exposure and tailor a plan. After an initial assessment, clients often return for periodic policy updates, ensuring coverage stays aligned with changing flood maps. This follow-up service between regular visits helps maintain adequate protection as conditions evolve.
Clearwater Insurance- Camas Prairie Insurance in Lewiston, ID, is known for providing flood insurance coverage tailored to the region’s specific risk zones. Its service range includes securing policies through the National Flood Insurance Program and private markets. The team assists property owners in understanding flood maps and policy limits for residential and commercial needs. In addition, it offers guidance on completing necessary elevation certificates to ensure accurate premium pricing.
What Does a a Flood Insurance Agent in Lewiston Cost?
Flood insurance premiums in Idaho vary widely based on flood zone, elevation, building age, and coverage amount. For an NFIP policy, annual premiums typically range from 700 to 2,500 dollars for a standard home. Private market policies may offer different rates and higher limits. This is general information and not insurance advice.
About flood insurance agents in Lewiston
Flood insurance agents in Lewiston Idaho help property owners protect against flood damage from the Snake River and Clearwater River. Idaho law requires lenders to mandate flood insurance for properties in high-risk flood zones. Local agents can guide you through the National Flood Insurance Program (NFIP) and private market options.
Frequently Asked Questions
Do I need flood insurance in Lewiston Idaho?
If your property is in a Special Flood Hazard Area (SFHA) designated by FEMA, your lender will require flood insurance. Even outside high-risk zones, flooding from heavy rain or snowmelt is possible. An agent can review your specific flood zone.
How do I find a flood insurance agent in Lewiston?
You can search for licensed insurance agents in Idaho who offer flood policies through the NFIP or private carriers. The Idaho Department of Insurance website provides a license lookup tool. Local real estate agents and mortgage lenders can also provide referrals.
What does flood insurance cover in Idaho?
Standard NFIP policies cover building property (structure) and personal property (contents) up to policy limits. Coverage includes damage from rising water, not sewer backups unless caused by flooding. An agent can explain coverage limits and exclusions specific to your property.
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