The top-rated flood insurance agent in St Paul, Minnesota is HomeServices Insurance, Inc., rated 4.8 stars across 172 reviews. Other highly rated options include Theisen Escobar Agency, Garry Insurancenter, Farmers Insurance - Patrick Loucks. This directory lists 26 flood insurance agents serving St Paul.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | HomeServices Insurance, Inc. | 119 14th St NW Suite 150 | (800) 277-0013 |
| 2 | Theisen Escobar Agency | 428 Minnesota St UNIT 500 | (651) 309-6040 |
| 3 | Garry Insurancenter | 2555 7th Ave E | (651) 777-8361 |
| 4 | Farmers Insurance - Patrick Loucks | 991 Smith Ave S W | (651) 714-7979 |
| 5 | Krog Insurance | 637 Snelling Ave N | (651) 483-2919 |
| 6 | Wilebski Insurance Agency | 101 5th St E suite 202 a | (651) 283-9371 |
| 7 | Insurance Group™ | 445 Minnesota St #1500 | (763) 233-6405 |
| 8 | Lunar Financial Group | 445 Etna St #62 | (651) 203-7765 |
| 9 | Baecker Agency, Inc.: Allstate Insurance | 245 Ruth St N Ste 200 | (651) 730-6666 |
| 10 | Cox Insurance Associates, Inc | 1639 Larpenteur Ave W | (651) 647-0001 |
HomeServices Insurance, Inc. serves the St. Paul, Minnesota metro area and the surrounding Ramsey County region. As a flood insurance agent, this company assists property owners in securing coverage against water damage from overflow, storm surges, and heavy rainfall. It specializes in policies provided through the National Flood Insurance Program and private market alternatives. Its services include evaluating a property’s flood risk and applying for appropriate protection plans.
Theisen Escobar Agency provides flood insurance services across St Paul, Minnesota, including policy evaluations and claims assistance for water damage. It offers annual policy review plans to help clients understand their coverage limits and adjust to changing flood zone maps. The agency also provides follow-up consultations after heavy rain events to clarify claim procedures. It services single-family homes, apartments, retail properties, and restaurants.
Garry Insurancenter in St. Paul, Minnesota, serves the city and surrounding communities, handling flood insurance policies for both residential and commercial properties. Its work involves assessing local flood zone risks and matching property owners with appropriate coverage options. To navigate the complexities of National Flood Insurance Program regulations, the agent thoroughly reviews each property’s flood map designation and claims history. The company then tailors a standard policy that addresses the specific exposure of that location.
Farmers Insurance - Patrick Loucks in St Paul, Minnesota offers flood insurance services that may be purchased as a one-time policy to cover a specific property or on a recurring basis to maintain continuous protection against rising water damage. Coverage generally includes structural repairs and replacement of damaged personal possessions caused by flooding events. Local properties near the Mississippi River or low-lying areas often qualify for standard federal flood insurance programs through this agency. Service appointments for policy reviews, quotes, or claims assistance are available on an as-needed basis.
Krog Insurance serves St. Paul, Minnesota, and the surrounding communities. The agency handles flood insurance policies designed to protect residential and commercial properties. It assesses each property’s specific flood zone and risk level. The company then recommends appropriate coverage options from available federal and private programs. To handle a typical job, it first reviews the property’s location and elevation, completes the necessary paperwork, and explains the waiting period and coverage limits to the client.
After heavy spring rains in St Paul cause rising water in basements and low-lying streets, Wilebski Insurance Agency provides flood insurance guidance to property owners. This local agent evaluates individual flood risks and helps clients understand National Flood Insurance Program policies. The agency answers questions about coverage details and policy costs. Every consultation begins with an initial assessment of the property’s flood zone and a review of current insurance needs during a personal inspection.
Insurance Group™ assists property owners in St Paul, Minnesota with flood insurance coverage to protect against water damage from storms and rising rivers. The agency specializes in both residential and commercial policies that address flooding risks specific to the Mississippi River region. It reviews existing flood maps and elevation certificates to determine appropriate coverage limits. Commercial clients for these policies include offices, warehouses, and food service establishments.
Baecker Agency, Inc.: Allstate Insurance specializes in securing flood insurance policies for properties in St. Paul. It works with homeowners and businesses to evaluate risk and obtain appropriate coverage through the National Flood Insurance Program. The agency also advises clients on standard homeowner and commercial policies that complement flood protection. As spring snowmelt often brings rising river levels in the region, the agency helps property owners review their coverage before the seasonal thaw begins.
Cox Insurance Associates, Inc in St Paul, Minnesota helps homeowners secure residential flood insurance policies, addressing the specific risks posed by seasonal rains and nearby waterways. The company also offers commercial flood coverage for local businesses needing protection against rising waters, primarily serving clients throughout the St Paul metropolitan area. As flood insurance requirements and premiums change, agents here can review existing policies for adequacy during each renewal cycle, encouraging clients to return for updated consultations between their regular property insurance visits.
What Does a a Flood Insurance Agent in St Paul Cost?
Typical flood insurance costs in Minnesota range from 500 to 3,000 dollars per year depending on flood zone risk, building value, and deductible chosen. NFIP policies have a maximum coverage of 250,000 dollars for residential buildings and 100,000 dollars for contents. Private market policies may offer higher limits or lower premiums for lower-risk properties. This is general information and not insurance advice.
About flood insurance agents in St Paul
Flood insurance agents in St Paul help property owners secure coverage through the National Flood Insurance Program or private insurers. Minnesota law requires lenders to mandate flood insurance for properties in high-risk zones. St Paul properties near the Mississippi River or its tributaries often need this protection.
Frequently Asked Questions
Do I need flood insurance in St Paul 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 can occur from heavy rain or snowmelt. An agent can review your property's flood map designation.
What does a flood insurance agent do in Minnesota?
A flood insurance agent helps you select a policy that meets NFIP or private market requirements. They explain coverage limits, deductibles, and the 30-day waiting period before coverage starts. They also assist with flood zone determination and premium estimates.
How much does flood insurance cost in St Paul?
Costs vary by flood zone, property elevation, and coverage amount. In Minnesota, NFIP policies average around 700 to 1,200 dollars per year for a standard home. High-risk areas may see premiums over 2,000 dollars. An agent can provide a personalized quote.
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