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Compare flood insurance agents in Chico. Review contact information and insurance categorys before you decide.
20 agents listed
Updated May 2026
Chico, CA
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 California before hiring.
Showing 20 flood insurance agents in Chico, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Kevin Baker Insurance Agency
383 Connors Ct Ste A, Chico, CA 95926
(530) 893-8301
agents.allstate.com
Acceptance Insurance
240 W East Ave ste c, Chico, CA 95926
(530) 681-4011
locations.acceptance.com
Heritage Insurance Agency
290 Airpark Blvd, Chico, CA 95973
(530) 894-3276
heritage-agency.com
Keith McBride - State Farm Insurance Agent
2499 Bruce Rd, Chico, CA 95928
(530) 965-5934
keithmcbride.net
Farmers Insurance - Paul Munly Agency
30 Constitution Dr #200, Chico, CA 95973
(530) 899-7667
paulmunlyagency.com
Jeff Fowler Insurance Services, Inc.
426 Broadway St #205, Chico, CA 95928
(530) 267-6268
jfowlerins.com
Nevin & Witt Insurance Services
1600 Mangrove Ave #195, Chico, CA 95926
(530) 894-0111
nevinandwitt.com
Chico Creek Insurance Services, LLC - Owner, Julio Ramirez
500 Cohasset Rd #34, Chico, CA 95926
(530) 636-0241
chicocreekinsurance.com
Farmers Insurance, Genia Henderson Agency
2535 Ceanothus Ave STE 120, Chico, CA 95973
(530) 345-9035
agents.farmers.com
Bidwell Insurance Agency, Inc.
1270 E 9th St, Chico, CA 95928
(530) 894-1096
bidwellinsurance.com
Luquin's Insurance Services
1041 Village Ln, Chico, CA 95926
(530) 809-2993
luquinsinsurance.com
Matt Davis Insurance Agency, Inc.
40 Bellarmine Ct, Chico, CA 95928
(530) 898-9960
mattdavisinsurance.com
Avrit Insurance
2735 Esplanade, Chico, CA 95973
(530) 891-1302
avritinsurance.com
InterWest Insurance Services, LLC
1357 E Lassen Ave, Chico, CA 95973
(530) 895-1010
iwins.com
Farmers insurance- Ali ilian
2101 Forest Ave STE 150, Chico, CA 95928
(530) 399-7388
agents.farmers.com
GCI Insurance Brokers
55 Independence Cir #108, Chico, CA 95973
(800) 339-3882
simplicatehealth.com
Dayton Sayer Insurance Agency, Inc.
1166 Esplanade, Chico, CA 95926
(800) 432-9866
sayerins.com
Rudy Smith Insurance Services
561 E Lindo Ave STE B, Chico, CA 95926
(530) 636-6699
rudysmithinsurance.com
Sweeney & Selland Insurance Services
676 E 1st Ave UNIT 11, Chico, CA 95926
(530) 487-8200
sweeney-sellandins.com
Chico Creek Insurance
500 Cohasset Rd #34, Chico, CA 95926
(530) 636-0241
chicocreekinsurance.com
Flood insurance agents in Chico, California help property owners secure coverage through the National Flood Insurance Program or private insurers. Because Chico lies near Big Chico Creek and other waterways, many homes in flood zones require a flood insurance policy as a condition of a mortgage. California law does not mandate flood insurance for all properties, but lenders often require it for homes in high-risk areas.
What Does a Flood Insurance Agent in Chico Cost?
The cost of flood insurance in California through the NFIP averages around 700 to 1,200 per year for a standard policy, but rates vary based on flood zone, elevation, and building characteristics. Private flood insurance may range from 500 to 2,500 annually depending on risk factors. Premiums are set by the NFIP or private insurers and are not regulated by California state law. This is general information 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
Do I need flood insurance in Chico California?
Flood insurance is not required by California state law for all properties. However, if your home is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. Even outside high-risk zones, flood damage is not covered by standard homeowners policies.
How do I find a flood insurance agent in Chico?
You can search for licensed insurance agents in Chico who offer flood coverage through the NFIP or private carriers. The California Department of Insurance website provides a license lookup tool to verify an agents credentials. Many local independent agents also represent multiple flood insurance companies.
What does flood insurance cover in California?
Standard flood insurance from the NFIP covers structural damage to your home and personal belongings up to policy limits. It does not cover basement improvements or items stored in basements. Private flood insurance may offer broader coverage options, such as additional living expenses.
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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 California.