ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeFlood Insurance AgentsCalifornia › Chula Vista

Find Flood Insurance Agents Near You in Chula Vista, CA

Browse flood insurance agents serving Chula Vista, California. Updated 2026-07-14.

The top-rated flood insurance agent in Chula Vista, California is Willy's Insurance Service Inc, rated 5.0 stars across 917 reviews. Other highly rated options include Hollie Allen - State Farm Insurance Agent, Fred Hetter - State Farm Insurance Agent, AAA Chula Vista Insurance and Member Services. This directory lists 22 flood insurance agents serving Chula Vista.

Showing 22 flood insurance agents in Chula Vista, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Willy's Insurance Service Inc205 garret ave Suite # 1(619) 240-3333
2Hollie Allen - State Farm Insurance Agent1924 E Palomar St #104(619) 482-8800
3Fred Hetter - State Farm Insurance Agent265 E St Ste. B-1(619) 420-9430
4AAA Chula Vista Insurance and Member Services569 Telegraph Canyon Rd(619) 421-0410
5Altra Insurance Services Inc.651 Palomar St #3(619) 500-8001
6CSS Insurance Services, LLC40 3rd Ave(619) 427-2662
7Ed Franco - State Farm Insurance Agent2586 Catamaran Way(619) 434-3911
8Ready Lane Insurance Services985 Broadway STE J(619) 489-3751
9Ferregut Services669 Broadway(619) 975-7380
10Carlos Solorzano - State Farm Insurance Agent1105 Broadway #202(619) 420-7000
WS
205 garret ave Suite # 1
Willy's Insurance Service Inc
Flood Insurance Agent · Chula Vista, CA

Willy's Insurance Service Inc serves Chula Vista and surrounding San Diego County areas as a flood insurance agent. The company assists property owners in navigating the complex requirements for flood coverage, which is often mandated by lenders in designated flood zones. It provides guidance on policy options and coverage limits tailored to local flood risks from coastal storms and inland waterways. The agency helps clients evaluate necessary deductibles and assess replacement cost valuations for homes and businesses, handling both policy renewals and new applications for flood insurance.

HA
1924 E Palomar St #104
Hollie Allen - State Farm Insurance Agent
Flood Insurance Agent · Chula Vista, CA

Homeowners, businesses, and property managers in Chula Vista seeking protection against water damage can rely on Hollie Allen - State Farm Insurance Agent for flood insurance policies. These policies help cover losses resulting from rising water, an essential safeguard given the region’s proximity to coastal and low-lying areas. The agent assists clients in understanding coverage limits and deductibles tailored to individual property risks. Services include policy reviews and claims guidance. This agency also serves the neighboring community of National City and the surrounding South Bay metro area.

FH
265 E St Ste. B-1
Fred Hetter - State Farm Insurance Agent
Flood Insurance Agent · Chula Vista, CA

Serving Chula Vista and surrounding communities in San Diego County, Fred Hetter - State Farm Insurance Agent handles flood insurance coverage for local homeowners and businesses. It assists clients in navigating federal requirements and flood zone risks common to the region. The agency addresses individual property exposures by evaluating elevation maps and local floodplain data. A typical job is managed through a personalized consultation that reviews each property's specific vulnerabilities before recommending appropriate policy limits and deductibles.

AC
569 Telegraph Canyon Rd
AAA Chula Vista Insurance and Member Services
Flood Insurance Agent · Chula Vista, CA

AAA Chula Vista Insurance and Member Services provides a full range of flood insurance coverage options for property owners in the Chula Vista area. The agency assists clients in selecting appropriate policies and advises on maintaining adequate protection against seasonal storm surges and rising water levels. Servicing both residential and commercial properties, it addresses the specific needs of single-family homes, apartments, retail businesses, and restaurants.

AI
651 Palomar St #3
Altra Insurance Services Inc.
Flood Insurance Agent · Chula Vista, CA

Altra Insurance Services Inc., located in Chula Vista, CA, provides flood insurance policies that protect property owners from financial loss due to rising water, distinguishing between one-time coverage for isolated events and recurring annual policies for ongoing protection. This service helps clients comply with federal requirements while safeguarding homes and businesses against local flood risks common to the San Diego Bay region. Coverage consultations and policy adjustments are available as needed, with no fixed recurring appointment schedule.

CI
40 3rd Ave
CSS Insurance Services, LLC
Flood Insurance Agent · Chula Vista, CA

CSS Insurance Services, LLC offers specialized flood insurance agent services in Chula Vista, California. It assists property owners in assessing and acquiring flood coverage that meets their specific needs. The company guides clients through policy options and helps navigate federal flood insurance requirements common to the area. It also provides support with filing and managing flood-related claims. This work is especially vital during the rainy season, when sudden storms can increase flood risk for homes and businesses.

EF
2586 Catamaran Way
Ed Franco - State Farm Insurance Agent
Flood Insurance Agent · Chula Vista, CA

With sudden seasonal rains raising flood risks across Chula Vista, property owners often seek reliable protection planning. Ed Franco - State Farm Insurance Agent provides flood insurance policies designed to cover residential and commercial structures against water damage from natural overflow events. The agency evaluates local flood zone maps alongside client property specifics to recommend appropriate coverage levels. An initial consultation typically begins with a review of the building’s elevation and existing drainage systems before scheduling a walkthrough to assess vulnerabilities.

RL
985 Broadway STE J
Ready Lane Insurance Services
Flood Insurance Agent · Chula Vista, CA

Ready Lane Insurance Services handles general insurance needs for property owners in Chula Vista, California, with a particular specialty in flood insurance policies. The agency assists clients in navigating flood zone requirements and securing coverage that protects structures from water damage. Local residential homeowners and commercial property owners can benefit from tailored flood insurance solutions. The agency serves businesses operating in a variety of commercial sectors, including offices, warehouses, and food service.

FS
669 Broadway
Ferregut Services
Flood Insurance Agent · Chula Vista, CA

Ferregut Services provides residential flood insurance coverage for homeowners in Chula Vista, California, along with commercial policies for local businesses operating in the region. Their agents advise clients on available National Flood Insurance Program options to protect properties from water damage risks common to the area. They serve the greater San Diego County area. After an initial consultation, they schedule follow-up appointments at renewal periods and after major weather events to review changing coverage needs before the next regular visit.

CS
1105 Broadway #202
Carlos Solorzano - State Farm Insurance Agent
Flood Insurance Agent · Chula Vista, CA

Carlos Solorzano - State Farm Insurance Agent is known for providing flood insurance policies to protect homes and businesses in Chula Vista, CA. This agent serves property owners seeking coverage against water damage from rising waters and storm surges. The agency explains how flood maps influence rate calculations and advises clients on the standard thirty-day waiting period before a new policy takes effect. It can additionally assist with a contents-only coverage option that protects personal belongings without structural insurance.

AI
651 Palomar St #A22
Auto International Insurance
Flood Insurance Agent · Chula Vista, CA
(619) 425-5001
segurosdeautoenchulavista.com
HH
2090 Otay Lakes Rd #102
Hoffman Hanono Insurance
Flood Insurance Agent · Chula Vista, CA
(619) 420-1861
hhinsurance.com
MI
779 Third Ave
Mainline Insurance Services, Inc.
Flood Insurance Agent · Chula Vista, CA
(619) 420-8600
mainline-ins.com
LR
1152 3rd Ave
La Rosa Insurance Agency Inc
Flood Insurance Agent · Chula Vista, CA
(619) 427-5950
larosainsurance.com
I4
26 3rd Ave # 260
Insurance 4 Less
Flood Insurance Agent · Chula Vista, CA
(619) 427-4700
insurance4less.net
RF
310 3rd Ave Ste C6
Ramirez Financial & Insurance Agency
Flood Insurance Agent · Chula Vista, CA
(619) 323-1152
rfiagency.com
GI
2560 Catamaran Way UNIT 10
Goosehead Insurance - Michael Kiefer
Flood Insurance Agent · Chula Vista, CA
(619) 349-7353
goosehead.com/agents/ca/chula-vista/michael-kiefer
GI
553 Telegraph Canyon Rd
Garrison Insurance Agency
Flood Insurance Agent · Chula Vista, CA
(619) 591-0101
garrisoninsurance.com
MG
1096 Broadway Suite #204
Millan Group, Inc.
Flood Insurance Agent · Chula Vista, CA
(619) 425-9815
millangroupinc.com
LI
730 H St Ste 2
LM Insurance Services
Flood Insurance Agent · Chula Vista, CA
(619) 872-0171
TI
1741 Eastlake Pkwy suite 102-103
Tropical Insurance Services
Flood Insurance Agent · Chula Vista, CA
(619) 966-7005
tropicalquote.com
PP
750 Otay Lakes Rd Ste 176
Preferred Property and Casualty Insurance Agency
Flood Insurance Agent · Chula Vista, CA
(619) 936-2382
ppacia.com

What Does a a Flood Insurance Agent in Chula Vista Cost?

Flood insurance costs in California vary based on flood zone, property elevation, and coverage amount. An NFIP policy in a high-risk zone can range from 700 to 2,000 dollars per year. Private flood insurance may cost more or less depending on risk factors. This is general information and not insurance advice.

About flood insurance agents in Chula Vista

Flood insurance agents in Chula Vista help property owners secure coverage through the National Flood Insurance Program and private insurers. California law requires lenders to mandate flood insurance for homes in high-risk zones. Agents can explain local flood maps and policy options for Chula Vista residents.

Frequently Asked Questions

Do I need flood insurance in Chula Vista California?

If your property is in a Special Flood Hazard Area designated by FEMA, your lender will likely require flood insurance. Even outside high-risk zones, agents recommend coverage because heavy rain events can cause flooding. California does not have a state law requiring flood insurance, but mortgage lenders often do.

How does a flood insurance agent help with claims in California?

An agent can explain your policy coverage and help you document damage after a flood. California law gives you up to one year from the date of loss to file a flood insurance claim under the NFIP. Agents do not adjust claims but can guide you through the process.

What is the difference between NFIP and private flood insurance in California?

The NFIP offers federally backed policies with coverage limits up to 250,000 dollars for buildings and 100,000 dollars for contents. Private insurers may offer higher limits and broader coverage. An agent can compare both options for your Chula Vista property.

Flood Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each flood insurance agent's credentials and current standing with your state Department of Insurance.