The top-rated flood insurance agent in Bloomington, Minnesota is Sam Sand - State Farm Insurance Agent, rated 4.9 stars across 196 reviews. Other highly rated options include Farmers Insurance - Austin Miller, Brent Mohlenhoff - State Farm Insurance Agent, Arcadia Insurance Group. This directory lists 15 flood insurance agents serving Bloomington.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sam Sand - State Farm Insurance Agent | 8714 Lyndale Ave S | (612) 351-3848 |
| 2 | Farmers Insurance - Austin Miller | 2120 W Old Shakopee Rd | (952) 253-9907 |
| 3 | Brent Mohlenhoff - State Farm Insurance Agent | 8714 Lyndale Ave S | (952) 881-0907 |
| 4 | Arcadia Insurance Group | 8400 Normandale Lake Blvd #920 | (952) 856-6074 |
| 5 | Alexander & Haberman Agency, LLC - Bloomington | 9301 Bryant Ave S #105 | (952) 444-9720 |
| 6 | James M King Insurance | 5270 W 84th St Suite 305 | (952) 881-2685 |
| 7 | Vandervieren & Associates Inc. American Family Insurance | 9437 Garfield Ave S Ste 100 | (952) 888-1445 |
| 8 | Minnesota Fair Plan | 7900 International Dr #625 | (612) 338-7584 |
| 9 | Aklog Asfaw Agency | 900 American Blvd E #206 | (952) 854-4762 |
| 10 | Frontier Insurance Brokers | 3800 American Blvd W Suite 1500 | (952) 921-5858 |
Sam Sand - State Farm Insurance Agent serves the Bloomington, Minnesota, area as a flood insurance agent. This agency helps local homeowners and renters understand their flood risk and obtain necessary coverage. It provides guidance on policy options that protect property from water damage caused by heavy rains or storm surges. The agency also assists clients in navigating the application process for federally backed flood insurance through the National Flood Insurance Program. Specific services it handles include assessing individual property flood zones and tailoring coverage limits to meet those needs.
Farmers Insurance - Austin Miller provides flood insurance solutions for properties in Bloomington, Minnesota. It assists clients in evaluating their risk exposure and obtaining appropriate National Flood Insurance Program or private market coverage. The company offers guidance on available service or maintenance plans, helping policyholders understand coverage details and claims procedures. Regular policy reviews help ensure proper protection as needs evolve. Its services address a range of residential and commercial property types, including single-family homes, apartments, retail locations, and restaurants.
Brent Mohlenhoff - State Farm Insurance Agent serves homeowners, businesses, and property managers in Bloomington, Minnesota by providing flood insurance coverage to protect against water damage from local rivers and heavy rainfall. This agency helps clients secure policies that cover structural repairs, basement flooding, and contents replacement, offering guidance on flood risk assessments for residential and commercial properties. Its services also extend to neighboring communities in the Richfield and Edina metro area.
Arcadia Insurance Group in Bloomington, MN distinguishes between a one-time policy, which covers a single flood event, and an annual recurring plan that provides ongoing safeguarding against seasonal flooding from rivers or heavy rains. Their standard residential coverage protects the structure and foundation, while optional contents coverage shields personal belongings from water damage. This agency serves local homeowners by offering either a scheduled annual renewal or as-needed consultations following severe weather advisories.
Alexander & Haberman Agency, LLC - Bloomington serves the Bloomington area and surrounding Minneapolis–Saint Paul communities, handling residential and commercial flood insurance needs. As a licensed flood insurance agent, the company assists property owners in securing National Flood Insurance Program policies and private market options. Its typical approach begins with a property's flood zone assessment to determine appropriate coverage, then customizes a policy to protect against flood damage while meeting lending requirements.
Spring storms and rapid snowmelt in the Bloomington area can lead to unexpected water damage. James M King Insurance helps homeowners and businesses prepare by offering guidance on flood insurance policies that address local risk patterns. As a dedicated flood insurance agent, the company reviews each property’s exposure to nearby rivers and drainage basins before recommending coverage. Clients receive clear explanations about policy options and the waiting periods that apply. The process typically begins with a straightforward property inspection or individual risk assessment to determine the most suitable protection.
Vandervieren & Associates Inc., operating as American Family Insurance in Bloomington, MN, specializes in assessing flood exposure for residential and commercial properties. Its services focus on evaluating local flood zone maps and advising on appropriate coverage limits. The agency helps clients navigate the complexities of National Flood Insurance Program policies. This work is particularly valuable during the spring thaw, when rising water levels from snowmelt and rain create increased risks for basement flooding and property damage in the surrounding area.
Minnesota Fair Plan in Bloomington offers residential flood insurance services, helping homeowners protect their properties from water damage. The agency also provides commercial coverage options for local businesses in the Bloomington area. Their team works closely with clients to assess flood risks and match them with appropriate policies that meet both residential and commercial needs. After a policy is in place, insured clients can follow up for adjustments or renewals separately from any regular insurance visits scheduled throughout the year.
Aklog Asfaw Agency provides flood insurance solutions for properties in the Bloomington area. The agency specializes in helping clients navigate the unique flood risks associated with local waterways and seasonal weather patterns. Policies are tailored to protect residential and commercial structures from water damage. The agency can cover a range of commercial sectors, including offices, warehouses, and food service establishments.
Frontier Insurance Brokers of Bloomington, MN is known for helping property owners secure flood coverage tailored to their specific needs. The agency serves residential and commercial clients throughout the local area, offering policies that address varying flood zone risks and property values. Agents take time to explain policy details, ensuring customers understand their coverage limits and deductibles. As a specialty add-on, the firm can arrange for sewer backup and sump pump overflow endorsements to supplement the flood policy.
What Does a a Flood Insurance Agent in Bloomington Cost?
Typical flood insurance costs in Bloomington Minnesota range from 500 to 3000 dollars per year for residential properties. NFIP policies have a maximum coverage of 250000 dollars for the building and 100000 dollars for contents. Private flood insurance may offer higher limits and different pricing. Costs depend on your propertys flood zone elevation and deductible choice. This is general information not insurance advice.
About flood insurance agents in Bloomington
Flood insurance agents in Bloomington Minnesota help homeowners and businesses understand flood risk near the Minnesota River. Minnesota law does not require flood insurance but mortgage lenders often do for properties in high-risk zones. Agents guide clients through the National Flood Insurance Program and private flood insurance options specific to Bloomington.
Frequently Asked Questions
Do I need flood insurance in Bloomington Minnesota?
Flood insurance is not required by Minnesota state law. However if your property is in a FEMA-designated Special Flood Hazard Area your mortgage lender will likely require it. Bloomington has areas near the Minnesota River that are in flood zones.
What does a flood insurance agent in Bloomington do?
A flood insurance agent helps you assess your flood risk compare NFIP and private policies and complete the application. They can explain the 30-day waiting period for NFIP policies and help you understand coverage limits for your home and contents.
How much does flood insurance cost in Bloomington Minnesota?
Costs vary based on flood zone elevation and property value. In Bloomington an NFIP policy for a single-family home in a low-risk zone might cost around 700 dollars per year. High-risk zone properties can cost 2000 dollars or more. Private insurers may offer different rates.
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