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Looking for a flood insurance agent in Totowa? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Totowa, NJ
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 New Jersey before hiring.
Showing 2 flood insurance agents in Totowa, NJ
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Hanson & Ryan
87 Lackawanna Ave, Totowa, NJ 07512
(973) 256-6000
hansonryan.com
Lealta Insurance Agency
87 Union Blvd, Totowa, NJ 07512
(862) 217-6414
lealtainsurance.com
Flood insurance agents in Totowa New Jersey help property owners secure coverage through the National Flood Insurance Program or private insurers. Totowa is located in Passaic County where some areas fall within Special Flood Hazard Areas as mapped by FEMA. New Jersey law requires flood insurance for properties with federally backed mortgages in high-risk zones.
What Does a Flood Insurance Agent in Totowa Cost?
Typical flood insurance costs in New Jersey range from 700 to 2,000 dollars per year for NFIP policies in moderate-risk areas. High-risk zones can see premiums from 1,500 to 5,000 dollars or more annually. Private flood insurance may cost between 800 and 3,000 dollars depending on property elevation and coverage limits. These are general estimates and actual costs vary by property location and flood risk. This information is general 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
What does a flood insurance agent in Totowa do?
A flood insurance agent in Totowa helps you assess your flood risk and find a policy that meets your needs. They guide you through NFIP requirements and private market options. Agents also assist with elevation certificates and claims support.
Is flood insurance required in Totowa New Jersey?
Flood insurance is required if your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage. Even outside high-risk zones lenders may still require coverage. New Jersey law does not mandate flood insurance for all properties but it is strongly recommended.
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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 New Jersey.