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Find Flood Insurance Agents Near You in Encinitas, CA
Compare flood insurance agents in Encinitas. Review contact information and insurance categorys before you decide.
13 agents listed
Updated May 2026
Encinitas, 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 13 flood insurance agents in Encinitas, 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.
Lisa Trapp - State Farm Insurance Agent
1458 Encinitas Blvd, Encinitas, CA 92024
(760) 230-0231
youragentlisa.com
Katie Beach Harlan - State Farm Insurance Agent
531 Encinitas Blvd STE 119, Encinitas, CA 92024
(760) 753-4944
beachinsurance.us
Jake Cesare - State Farm Insurance Agent
227 N El Camino Real Ste 206, Encinitas, CA 92024
(760) 942-2277
youragentjake.com
Schulte Insurance Agency
1036 2nd St, Encinitas, CA 92024
(760) 436-5015
schulteinsurance.com
Nick Witzmann Insurance Agency
330 Encinitas Blvd suite 202c, Encinitas, CA 92024
(760) 487-2727
witzmanninsurance.com
Farmers Insurance - Julie Haidao
187 Calle Magdalena Suite 110, Encinitas, CA 92024
(619) 401-1104
agents.farmers.com
Best Quote Insurance Services
1103 Quail Gardens Ct, Encinitas, CA 92024
(888) 536-1131
Farmers Insurance - Thomas Krynicki
360 N El Camino Real # 3C, Encinitas, CA 92024
(760) 230-4875
agents.farmers.com
Insuranca.com
676 Polaris Dr, Encinitas, CA 92024
(760) 271-1717
insuranca.com
King Insurance
360 N El Camino Real, Encinitas, CA 92024
(760) 753-7000
J R Wood Insurance Agency
4405 Manchester Ave, Encinitas, CA 92024
(760) 944-1848
robertwoodinsurance.com
Farmers Insurance - Sam Delegge
531 Encinitas Blvd STE 202, Encinitas, CA 92024
(760) 579-2727
agents.farmers.com
Farmers Insurance - Taylor Swoy
162 S Rancho Santa Fe Rd F-45, Encinitas, CA 92024
(760) 943-4000
agents.farmers.com
Flood insurance agents in Encinitas help property owners secure coverage through the National Flood Insurance Program and private insurers. California law requires lenders to mandate flood insurance for properties in high-risk zones. Agents can explain local flood maps and policy options for homes near the coast or lagoons.
What Does a Flood Insurance Agent in Encinitas Cost?
Typical flood insurance costs in California range from 400 to 2000 dollars per year for an NFIP policy, depending on flood zone and property value. Private flood insurance may cost more or less based on risk factors. Elevation certificates and building characteristics 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 Encinitas do?
A flood insurance agent helps you assess your flood risk and choose a policy that meets lender requirements or personal needs. They review flood zone maps for Encinitas areas like Leucadia or Cardiff by the Sea. They also explain waiting periods and coverage limits.
Is flood insurance required in Encinitas California?
Flood insurance is required by lenders for properties in high-risk flood zones designated by FEMA. California law does not mandate flood insurance for all homes, but many Encinitas properties near the coast or San Elijo Lagoon fall in special flood hazard areas.
How do I find a flood insurance agent in Encinitas?
You can search for licensed insurance agents in Encinitas through the California Department of Insurance website. Many local agencies specialize in flood policies for coastal communities. Ask agents about their experience with NFIP and private flood insurance options.
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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.