The top-rated flood insurance agent in West St Paul, Minnesota is Sonja Lhotka - State Farm Insurance Agent, rated 5.0 stars across 407 reviews. Other highly rated options include Tom Stremski - State Farm Insurance Agent, Turitto Insurance Agency, Steve Stremski - State Farm Insurance Agent. This directory lists 10 flood insurance agents serving West St Paul.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sonja Lhotka - State Farm Insurance Agent | 1201 S Robert St Suite M3B | (651) 454-6555 |
| 2 | Tom Stremski - State Farm Insurance Agent | 1560 Livingston Ave Ste 101 | (651) 457-6348 |
| 3 | Turitto Insurance Agency | 1349 S Robert St Ste 103 | (651) 455-4808 |
| 4 | Steve Stremski - State Farm Insurance Agent | 1560 Livingston Ave Ste 101 | (651) 457-6348 |
| 5 | Insurance Advisors Ann-Marie Underhill Agency | 1074 S Robert St #109 | (651) 855-8484 |
| 6 | Meyer Peltier Insurance | 1549 Livingston Ave STE 102 | (651) 457-5454 |
| 7 | Farmers Insurance - Christine Smith | 433 Mendota Rd E Ste G | (612) 808-9908 |
| 8 | Wolfgram Tritt & Associates Inc Insurance | 1633 Oakdale Ave | (651) 451-9565 |
| 9 | Fairway Insurance Brokers | 252 Marie Ave E Suite D | (952) 210-9631 |
| 10 | All County Agency Inc. | 1549 Livingston Ave STE 102 | (651) 484-1661 |
Sonja Lhotka - State Farm Insurance Agent serves the West St Paul, Minnesota, area as a flood insurance agent. This company assists homeowners and renters in obtaining necessary flood coverage, a vital concern for properties near the Mississippi River and its tributaries. The agent works with the National Flood Insurance Program to help clients understand their risk and secure policies that protect against water damage. Specific services include filing flood claims and advising on flood insurance options for residential properties.
Tom Stremski - State Farm Insurance Agent in West St Paul, MN, provides flood insurance policies designed to protect properties from water damage. Its service plans include routine policy reviews to ensure adequate coverage and claims assistance after a flood event. Maintenance plans help clients update their coverage as property values or flood zones change. The agency services single-family homes, apartments, retail spaces, and restaurants, offering tailored flood protection for each type of property.
Turitto Insurance Agency serves homeowners, businesses, and property managers in West St Paul, Minnesota, by helping them secure flood insurance policies that address their specific property exposures. The agency guides clients through the process of assessing potential flood risks and selecting appropriate coverage limits for their structures and contents. It assists with understanding National Flood Insurance Program requirements and other available policy options in the area. Flooding from the nearby Mississippi River and local waterways can impact this region, and the agency also covers neighboring communities throughout the eastern metro.
Serving West St Paul, Minnesota, and the surrounding communities, Steve Stremski - State Farm Insurance Agent handles flood insurance policies designed to protect properties from water damage. The agency evaluates local flood risks to help residential and commercial clients secure adequate coverage. It typically guides customers through the National Flood Insurance Program options, ensuring they understand policy details and exclusions before purchase. This approach begins with a thorough consultation to assess specific property exposure and coverage needs.
Insurance Advisors Ann-Marie Underhill Agency in West St Paul, MN, handles the distinction between one-time flood insurance policies for specific property transactions and recurring policies that protect against ongoing seasonal flood risks. Their coverage options address water damage from rising water, not sewer backups, which is a common local concern near the Mississippi River. Policies must typically be purchased through federally backed programs due to community floodplain mapping requirements. Service is available on a scheduled basis for annual renewals and as needed for new policies following flood zone map updates.
Meyer Peltier Insurance specializes in flood risk assessment and tailored flood insurance policies for property owners. It serves residential and commercial clients in West St Paul, MN, offering guidance on coverage options that address local flood zone requirements. The agency assists with policy selection, documentation review, and floodplain compliance. As seasonal melting and heavy rainfall pose increasing property risks in the region, the company helps homeowners and businesses secure coverage before spring thaw and storm seasons arrive.
With spring thaws and heavy rainfall often bringing flood risks to West St Paul, homeowners and businesses seek reliable coverage to protect their properties. Farmers Insurance agent Christine Smith provides flood insurance policies designed to meet local needs, helping clients understand federal program options and private supplemental plans. She guides customers through policy limits and essential exclusions so they can secure appropriate protection. A thorough inspection of the property is scheduled to assess flood zones and foundation risks before finalizing quotes and policy details.
Wolfgram Tritt & Associates Inc Insurance provides property and casualty coverage options for clients in West St Paul, MN. Its specialty includes flood insurance agent services, helping property owners secure policies that address water damage risks common to the region’s floodplains and seasonal weather patterns. The agency assists commercial sectors such as offices, warehouses, and food service operations in assessing their flood exposure and selecting appropriate protection.
Fairway Insurance Brokers in West St Paul, MN assists homeowners with residential flood insurance policies designed to protect their property from water damage. The agency also offers commercial flood coverage for local businesses in the surrounding areas. Policies are structured to meet the specific risks common to the region. Agents help clients understand coverage options and complete necessary applications. After a policy is issued, the same team remains available for follow-up questions or to adjust coverage needs between scheduled renewal visits.
All County Agency Inc. in West St Paul, MN is recognized for guiding property owners through the complexities of securing flood insurance. The agency serves clients across the local area, including those in flood zones requiring National Flood Insurance Program policies. Agents assist in evaluating coverage limits for homes and businesses, ensuring protection against water damage from rising waters. Specialty services include supplementary excess flood coverage for high-value properties.
What Does a a Flood Insurance Agent in West St Paul Cost?
Flood insurance costs in Minnesota vary based on flood zone, building elevation, and coverage amount. Typical NFIP premiums range from 700 to 2,000 dollars per year for standard policies. Higher risk zones or older buildings may cost more. This is general information and not insurance advice.
About flood insurance agents in West St Paul
Flood insurance agents in West St Paul, Minnesota help property owners understand their flood risk and secure coverage through the National Flood Insurance Program. Minnesota law requires flood insurance for properties in Special Flood Hazard Areas if they have a federally backed mortgage. Local agents can guide you through elevation certificates and policy options specific to Dakota County flood zones.
Frequently Asked Questions
Do I need flood insurance in West St Paul?
If your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage, flood insurance is required. Even outside high-risk zones, many agents recommend coverage because heavy rain events can cause damage.
How do I find a flood insurance agent in West St Paul?
You can search for licensed insurance agents in Dakota County who offer NFIP policies. Many local agencies list flood insurance services on their websites or you can call them directly to ask about flood coverage.
What does a flood insurance agent do in Minnesota?
An agent helps you assess your flood risk, explains NFIP coverage limits, and assists with completing the application and elevation certificate. They also help you understand waiting periods and policy exclusions under Minnesota law.
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