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Looking for a flood insurance agent in West Fargo? Review the directory below to compare your options.
9 agents listed
Updated May 2026
West Fargo, ND
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 North Dakota before hiring.
Showing 9 flood insurance agents in West Fargo, ND
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Ryan Kill - State Farm Insurance Agent
540 Oak Ridge Way E, West Fargo, ND 58078
(701) 893-3000
ryankillinsurance.com
Renee Forde - State Farm Insurance Agent
3139 Bluestem Dr Ste 104, West Fargo, ND 58078
(701) 280-2811
reneeforde.com
HUB International
3220 4th St E #201, West Fargo, ND 58078
(701) 239-4647
hubinternational.com
Farmers Union Insurance - Justin Heisler Agency
623 East Main, West Fargo, ND 58078
(701) 318-7228
westfargoagency.com
Linster Agency, LLC
158 W Beaton Dr Suite 200, West Fargo, ND 58078
(701) 781-2546
linsteragency.com
Absolute Insurance Agency, LLC
1241 Prairie Pkwy Suite 120, West Fargo, ND 58078
(701) 365-0515
absoluteinsure.com
Ihry Insurance Agency, Inc.
1291 13th Ave E, West Fargo, ND 58078
(701) 557-1727
ihryins.com
Tci Insurance Agency, Inc.
158 W Beaton Dr #100, West Fargo, ND 58078
(701) 277-1710
tciteam.com
Integrity First Insurance
213 1/2 Main Ave E, West Fargo, ND 58078
(701) 532-1123
Flood insurance agents in West Fargo North Dakota help homeowners and businesses secure coverage against flood risks. North Dakota law requires flood insurance for properties in high-risk flood zones with federally backed mortgages. Local agents understand the Red River Valley flood patterns and can guide you through the National Flood Insurance Program.
What Does a Flood Insurance Agent in West Fargo Cost?
Typical flood insurance costs in North Dakota range from 500 to 2,500 dollars per year for residential properties, depending on flood zone, building value, and deductible. Properties in high-risk zones like Zone AE near the Red River may cost more. Elevation certificates can affect premiums. 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
What does a flood insurance agent in West Fargo do?
A flood insurance agent helps you find a policy that meets your needs. They explain coverage limits, deductibles, and the 30-day waiting period before a policy takes effect. They also assist with flood zone determinations and claims support.
Is flood insurance required in West Fargo North Dakota?
Flood insurance is required by federal law if your property is in a Special Flood Hazard Area and you have a mortgage from a federally regulated lender. Even if not required, many residents choose coverage because of the Red River flood history.
How long does it take to get a flood insurance policy in West Fargo?
Standard flood insurance policies have a 30-day waiting period from the date of purchase before coverage begins. However, if the policy is bought in connection with a new loan, the waiting period may be waived. Plan ahead to avoid gaps in coverage.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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 North Dakota.