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Find Flood Insurance Agents Near You in St Cloud, MN
Browse flood insurance agents serving St Cloud, Minnesota. Contact information and addresses listed below.
17 agents listed
Updated May 2026
St Cloud, 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 17 flood insurance agents in St Cloud, 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.
Dan Anderson - State Farm Insurance Agent
300 23rd Ave N, St Cloud, MN 56303
(320) 253-4656
insuremedan.com
Ken Bellicot - State Farm Insurance Agent
2904 Roosevelt Rd #2, St Cloud, MN 56301
(320) 251-4686
agentwhocares.com
The Lyle Group: Allstate Insurance
30 15th Ave S, St Cloud, MN 56301
(320) 253-4994
agents.allstate.com
Hess Partners Insurance Agency
31 33rd Ave N, St Cloud, MN 56303
(320) 255-0417
hesspartners.com
Moe Janssen Schee Agency: Allstate Insurance
3717 3rd St N, St Cloud, MN 56303
(320) 251-1383
agents.allstate.com
Advantage 1 Insurance
3801 3rd St N, St Cloud, MN 56303
(320) 252-6650
advantageoneins.com
Michael Brower Agency, Inc. American Family Insurance
1727 W St Germain St, St Cloud, MN 56301
(320) 252-5151
amfam.com
Rock City Insurance
14 7th Ave N, St Cloud, MN 56303
(320) 259-4003
rockcityagency.com
Lamphere Insurance Group, LLC
606 25th Ave S Ste. 204, St Cloud, MN 56301
(320) 640-0633
lamphereinsgrp.com
Farmers Insurance - Duane Osgood
3335 W St Germain St #105, St Cloud, MN 56301
(320) 252-6095
agents.farmers.com
Hess Insurance Agency LLC
2233 Roosevelt Rd #4, St Cloud, MN 56301
(320) 251-1515
hessinsuranceagency.com
Federated Insurance Co
2700 1st St N #215, St Cloud, MN 56303
(320) 314-3964
reps.federatedinsurance.com
Gasperlin Insurance Agency
2789 Clearwater Rd #C, St Cloud, MN 56301
(320) 252-6800
gasperlinagency.com
Moe Agency Inc
536 25th Ave N, St Cloud, MN 56303
(320) 253-7644
moeagencyinc.net
John Herman Insurance
606 25th Ave S #111, St Cloud, MN 56301
(320) 251-1997
johnhermanins.wixsite.com
Stearns
4191 2nd St S, St Cloud, MN 56301
(320) 314-5267
Mark Helminick
1500 Oak Grove Rd SW #109, St Cloud, MN 56301
(320) 230-9147
insurancebrokersmn.com
Flood insurance agents in St Cloud Minnesota help property owners secure coverage through the National Flood Insurance Program or private insurers. St Cloud sits near the Mississippi River and several tributaries, so flood risk varies by zone. Minnesota law requires lenders to mandate flood insurance for properties in high-risk areas designated by FEMA.
What Does a Flood Insurance Agent in St Cloud Cost?
Flood insurance costs in Minnesota vary by property. The average NFIP policy in the state costs around $700 to $1,200 per year, but rates depend on flood zone, elevation, and deductible. Private insurance may cost more or less. This is general information, 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 St Cloud Minnesota?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required. Even outside high-risk zones, flooding from heavy rain or snowmelt can occur, so agents often recommend a policy.
How does a flood insurance agent help me in St Cloud?
An agent reviews your property's flood zone, elevation, and coverage needs. They compare NFIP policies with private options to find a plan that meets Minnesota building codes and lender requirements.
What is the waiting period for flood insurance in Minnesota?
NFIP policies typically have a 30-day waiting period before coverage starts. Private insurers may offer shorter waiting periods, but you should plan ahead and not wait until a storm is forecast.
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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.