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Looking for a flood insurance agent in Imperial Beach? Review the directory below to compare your options.
7 agents listed
Updated May 2026
Imperial Beach, 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 7 flood insurance agents in Imperial Beach, 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.
Tracey Rivera Insurance Agency Inc. - State Farm Insurance
1239 Palm Ave, Imperial Beach, CA 91932
(619) 424-3956
traceyriveraagency.com
Cheryl Close - State Farm Insurance Agent
1144 13th St Suite 101, Imperial Beach, CA 91932
(619) 423-7111
cherylclose.com
Greg Nelson: Allstate Insurance
1228 Palm Ave, Imperial Beach, CA 91932
(619) 423-2633
agents.allstate.com
Derek Jones Insurance Services Inc.
936 Palm Ave, Imperial Beach, CA 91932
(619) 420-4927
Farmers Insurance - Carlos Diaz
1340 Imperial Beach Blvd Ste 204, Imperial Beach, CA 91932
(619) 425-0079
agents.farmers.com
Ideal Choice Insurance & Notary Services
1237 Palm Ave, Imperial Beach, CA 91932
(619) 423-7172
idealchoiceinsurance.com
Bee Insurance Services
946 Donax Ave #464, Imperial Beach, CA 91933
(858) 752-7564
Flood insurance agents in Imperial Beach help property owners secure coverage through the National Flood Insurance Program and private markets. California law requires lenders to mandate flood insurance for properties in high-risk flood zones. Imperial Beachs location on the Pacific coast and near the Tijuana River makes flood protection a key consideration for homeowners and businesses.
What Does a Flood Insurance Agent in Imperial Beach Cost?
Flood insurance costs in California depend on your propertys flood zone, elevation, and building characteristics. For an NFIP policy in Imperial Beach, annual premiums typically range from 500 to 2,500 dollars for a standard home. Higher-risk properties or those with basements may see costs above 3,000 dollars. Private flood insurance can sometimes offer lower rates for lower-risk homes. 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 Imperial Beach?
If your property is in a Special Flood Hazard Area designated by FEMA, your mortgage lender will likely require flood insurance. Even outside high-risk zones, flooding can occur from heavy rain or storm surge in this coastal area.
What does a flood insurance agent do in California?
A flood insurance agent helps you assess your flood risk, compare NFIP and private policies, and complete the application. They can also explain California-specific rules, such as the 30-day waiting period before NFIP coverage takes effect.
How much does flood insurance cost in Imperial Beach?
Costs vary based on your homes elevation, flood zone, and coverage amount. In California, NFIP policies average around 700 to 1,200 dollars per year, but rates can be higher for properties in high-risk coastal areas. Private policies may offer different pricing.
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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.