The top-rated flood insurance agent in Grand Forks, North Dakota is Randy Fenley - State Farm Insurance Agent, rated 4.6 stars across 61 reviews. Other highly rated options include Farmers Insurance - Don Zerr Agency, Insurance Brokers of MN Inc, Farmers Union Insurance - Brent Vik, Lynn Kadlec & Matt Eggl. This directory lists 20 flood insurance agents serving Grand Forks.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Randy Fenley - State Farm Insurance Agent | 2750 S 26th St Ste A | (701) 772-5684 |
| 2 | Farmers Insurance - Don Zerr Agency | 1407 24th Ave S #206 | (701) 757-0763 |
| 3 | Insurance Brokers of MN Inc | 1551 28th Ave S Suite M | (701) 772-1466 |
| 4 | Farmers Union Insurance - Brent Vik, Lynn Kadlec & Matt Eggl | 1551 28th Ave S | (701) 757-5757 |
| 5 | Insure Forward | 4651 S Columbia Rd Floor 2 | (701) 772-6651 |
| 6 | Dobmeier Inc. | 409 Gateway Dr | (701) 775-6836 |
| 7 | Vaaler Insurance, a Marsh & McLennan Agency LLC Company | 2701 S Columbia Rd | (800) 553-4291 |
| 8 | Moen Insurance Services, LLC | 1913 S Washington St | (701) 757-1613 |
| 9 | Jeremy Fulton Agency Inc American Family Insurance | 1220 S Washington St | (701) 746-1919 |
| 10 | Farmers Insurance - Tyson Terhark | 1726 S Washington St Ste 30 | (701) 772-7108 |
Spring in the Red River Valley brings the annual threat of overland flooding, and homeowners in Grand Forks, ND, seek reliable protection for their property. Randy Fenley - State Farm Insurance Agent provides flood insurance policies that cover structural damage and personal belongings from rising water. Agents here assess local flood zones and NFIP requirements to match each dwelling with appropriate limits. The process begins with a walkthrough inspection of the property’s elevation and foundation, followed by a personalized coverage review.
Farmers Insurance, Don Zerr Agency in Grand Forks, ND, provides flood insurance protection to property owners in the region. This local agency specializes in securing policies that cover flood damage often excluded from standard homeowners or commercial coverage. Its services address the specific risks posed by spring thaws and seasonal flooding along the Red River Valley. Residential home policies can be tailored, while commercial sectors it serves include offices, warehouses, and food service establishments.
Residents in Grand Forks may require either a one-time flood insurance policy for a single property or recurring coverage for ongoing protection. Insurance Brokers of MN Inc offers policies that help safeguard structures and belongings against flood damage common in the Red River Valley. Coverage can be tailored to address specific needs for homes or businesses in this flood-prone area. Service runs on an as-needed basis, allowing clients to schedule a consultation when evaluating their flood risk.
Farmers Union Insurance - Brent Vik, Lynn Kadlec & Matt Eggl provides flood insurance for residential properties in Grand Forks, North Dakota, ensuring homeowners are protected against water damage from severe weather and rising waters. The agency also offers commercial flood coverage for local businesses seeking financial security. Their service area covers Grand Forks and the surrounding region, addressing unique local flood risks. Clients can contact the office for initial policies or follow up for adjustments and renewal discussions during regular business visits between seasons.
Insure Forward in Grand Forks, North Dakota specializes in offering tailored plans for properties at risk of flooding. It also provides general consultation on policy options and helps clients assess their coverage needs. This includes interpreting flood zone maps and explaining the implications of various deductibles and building limits. The company assists homeowners and businesses with securing protection specifically before the onset of spring snowmelt or severe summer storms, which can cause sudden, localized flooding.
In the flood-prone Red River Valley, seasonal snowmelt and spring storms can create urgent water risks for Grand Forks properties. Dobmeier Inc. helps homeowners and business owners navigate flood insurance coverage for these threats. Operating in Grand Forks, North Dakota, the agency focuses solely on flood insurance, assisting clients in evaluating their property’s exposure and finding a policy that fits specific needs. Their process typically begins with a walk-through assessment of the building’s layout and elevation data to determine risk factors.
Vaaler Insurance, a Marsh & McLennan Agency LLC Company in Grand Forks, North Dakota, provides residential and commercial property coverage with a specialty in flood insurance to mitigate water damage risks. It helps property owners navigate National Flood Insurance Program options and secure necessary policies for flood-prone areas. The company serves various commercial sectors, including offices, warehouses, and food service operations.
Moen Insurance Services, LLC provides residential flood insurance for homeowners and renters in Grand Forks, North Dakota. The agency also assists local businesses in securing commercial flood coverage tailored to their specific needs. Serving clients throughout the region, the team guides policyholders through federal program requirements and helps select appropriate coverage limits. They offer follow-up support between regular policy reviews to address questions or adjust plans as needed.
Jeremy Fulton Agency Inc American Family Insurance in Grand Forks, North Dakota, is known for providing flood insurance coverage to local homeowners and businesses in the Red River Valley. The agency helps clients protect their properties from potential water damage by assessing individual flood risks and explaining policy options available under the National Flood Insurance Program. As a local resource, it also offers guidance for elevators and sump pump add-ons to further safeguard basements.
Farmers Insurance - Tyson Terhark serves the Grand Forks, North Dakota metro area, providing flood insurance agent services for residential and commercial properties. This agency helps property owners assess their flood risk and secure appropriate coverage through the National Flood Insurance Program. Policies can cover structural damage to buildings and loss of personal belongings due to flooding events common in this region. The office assists with obtaining flood zone evaluations and processing claims for water damage.
What Does a a Flood Insurance Agent in Grand Forks Cost?
Flood insurance costs in North Dakota vary by property location, elevation, and coverage amount. In Grand Forks, annual premiums typically range from 700 to 2,500 dollars for a standard NFIP policy. Properties in high-risk zones or with low elevation may cost more. This is general information and not insurance advice.
About flood insurance agents in Grand Forks
Flood insurance agents in Grand Forks help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. North Dakota law requires flood insurance for properties in Special Flood Hazard Areas that have a federally backed mortgage. Agents in Grand Forks understand the Red River Valley flood risks and can guide you through the 30-day waiting period for NFIP policies.
Frequently Asked Questions
Do I need flood insurance in Grand Forks North Dakota?
If your property is in a Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, you must have flood insurance. Even outside SFHAs, agents recommend coverage because Grand Forks is prone to Red River flooding.
How long does it take for a flood insurance policy to start in North Dakota?
NFIP policies have a standard 30-day waiting period from the date of purchase before coverage begins. Exceptions exist for loans closing on a property, where coverage can start immediately.
What does flood insurance cover in Grand Forks?
Standard flood insurance covers structural damage to your building and damage to personal property up to policy limits. It does not cover contents in basements or improvements below the lowest elevated floor.