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Directory of flood insurance agents in Duluth, Minnesota. Verify credentials with the state department of insurance before hiring.
4 agents listed
Updated May 2026
Duluth, MN
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 Minnesota before hiring.
Showing 4 flood insurance agents in Duluth, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Dwight Swanstrom Co
31 N 21st Ave W, Duluth, MN 55806
(218) 727-8324
dwightswanstrom.com
Young & Associates Insurance
202 W Superior St # 400, Duluth, MN 55802
(218) 722-1481
younginsure.com
Duluth Insurance Agency
413 S 20th Ave E, Duluth, MN 55812
(218) 724-4507
duluthinsure.com
Benes Insurance Services
434-B N 57th Ave W, Duluth, MN 55807
(218) 628-6180
benesinsurance.com
Flood insurance agents in Duluth help property owners protect against flood damage from Lake Superior and local rivers. Minnesota law requires flood insurance for properties in high-risk zones if they have a federally backed mortgage. Agents can guide you through the National Flood Insurance Program and private options.
What Does a Flood Insurance Agent in Duluth Cost?
Flood insurance costs in Duluth depend on your property's flood zone, elevation, and building characteristics. For an NFIP policy, annual premiums often range from 700 to 2,500 dollars for residential properties. Private market policies may be higher or lower based on risk. Deductibles and coverage limits also affect the price. 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 Duluth Minnesota?
If your property is in a Special Flood Hazard Area and has a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, flooding can occur from heavy rain or snowmelt, so many homeowners choose coverage.
What does a flood insurance agent in Duluth do?
A flood insurance agent helps you assess your flood risk, compare NFIP and private policies, and complete the application. They can explain coverage limits, deductibles, and the 30-day waiting period before a policy takes effect.
How much does flood insurance cost in Duluth Minnesota?
Costs vary by property elevation, flood zone, and coverage amount. In Duluth, annual premiums for NFIP policies typically range from 700 to 2,500 dollars for standard coverage. Private insurers may offer different rates. Get a quote for your specific property.
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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 Minnesota.