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.

Find Flood Insurance Agents Near You in Lodi, CA

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

The top-rated flood insurance agent in Lodi, California is Dave Nugent - State Farm Insurance Agent, rated 5.0 stars across 468 reviews. Other highly rated options include AAA Lodi Branch, Cost-U-Less Insurance, Jon Rader - State Farm Insurance Agent. This directory lists 22 flood insurance agents serving Lodi.

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

Comparison

Top 10 listings
#NameAddressPhone
1Dave Nugent - State Farm Insurance Agent2401 W Turner Rd Ste 228(209) 333-2300
2AAA Lodi Branch2715 W Kettleman Ln Ste 201(209) 366-6900
3Cost-U-Less Insurance758 W Kettleman Ln(209) 323-2869
4Jon Rader - State Farm Insurance Agent1420 S Mills Ave STE F(209) 224-8885
5Pam Aberle - State Farm Insurance Agent1373 Lakewood Mall(209) 369-0900
6Farmers Insurance - Davin Lozano430 W Lockeford St(209) 333-8080
7Schumacher Insurance Solutions1124 W Tokay St(209) 334-1400
8Farmers Insurance - Rachel Sauseda112 Church St(209) 365-0700
9Confidence Plus Insurance Services: Allstate Insurance101 N Church St(209) 339-1328
10Eugene C Yates Insurance Agency245 E Kettleman Ln suite a(209) 339-1130
DN
2401 W Turner Rd Ste 228
Dave Nugent - State Farm Insurance Agent
Flood Insurance Agent · Lodi, CA

Dave Nugent - State Farm Insurance Agent in Lodi, CA, provides flood insurance coverage as part of its broader suite of property and casualty policies. The agency offers standard flood insurance plans for property owners seeking financial protection against water damage from rising waters, and it can help existing clients review their current policies to ensure adequate coverage remains in place. Regular policy check-ins are available to account for changes in flood zone maps or property usage. The agent services single-family homes, apartments, retail, and restaurants.

AL
2715 W Kettleman Ln Ste 201
AAA Lodi Branch
Flood Insurance Agent · Lodi, CA

AAA Lodi Branch serves the Lodi, California area as a flood insurance agent, assisting residents and businesses with securing essential flood coverage. The agency helps property owners understand flood zone designations and the specific policy requirements necessary to protect assets from water damage. Flood insurance policies from the National Flood Insurance Program are a core offering for this region. The company also assists clients with floodplain map updates and the claims process for water-related losses in the local community.

CU
758 W Kettleman Ln
Cost-U-Less Insurance
Flood Insurance Agent · Lodi, CA

Homeowners, businesses, and property managers in Lodi, California, turn to Cost-U-Less Insurance for flood insurance policies that help protect against water damage from rising rivers or heavy rains. Located in the heart of the San Joaquin Valley, the agency assists clients in understanding federal and private coverage options tailored to property risks. It serves the immediate Lodi area and also covers neighboring communities such as Stockton and the broader San Joaquin County metro region.

JR
1420 S Mills Ave STE F
Jon Rader - State Farm Insurance Agent
Flood Insurance Agent · Lodi, CA

Homeowners, businesses, and property managers in Lodi, CA turn to Jon Rader - State Farm Insurance Agent for their flood insurance needs. This agency helps clients understand the importance of protecting their property from water damage, offering guidance on selecting appropriate policies for residential and commercial structures. Its team is familiar with local flood zones and can assist in evaluating coverage options to safeguard assets. Additionally, the agency serves nearby communities throughout the San Joaquin County metro area, including Stockton, providing accessible flood insurance solutions across the region.

PA
1373 Lakewood Mall
Pam Aberle - State Farm Insurance Agent
Flood Insurance Agent · Lodi, CA

Serving Lodi, California, and surrounding communities, this agency handles flood insurance for residential and commercial properties. Flood coverage safeguards homes and businesses from water damage not included in standard policies, addressing risks like storm surges and overflowing waterways. In this Central Valley region prone to seasonal weather events, clients receive guidance on policy options tailored to specific property needs. The typical job begins with a thorough property assessment to determine appropriate coverage levels, followed by a clear explanation of policy terms to ensure the client understands their protection.

FI
430 W Lockeford St
Farmers Insurance - Davin Lozano
Flood Insurance Agent · Lodi, CA

Farmers Insurance - Davin Lozano in Lodi, CA helps clients navigate the choice between acquiring a single-policy flood plan for immediate protection and securing one with an annual renewal for ongoing, predictable coverage. Their services focus on explaining the types of flood policies available to safeguard properties against water damage common to the region. Service for insurance quotes, coverage adjustments, and policy renewals is available on both a scheduled appointment and as-needed basis.

SI
1124 W Tokay St
Schumacher Insurance Solutions
Flood Insurance Agent · Lodi, CA

Schumacher Insurance Solutions provides specialized flood insurance guidance, helping property owners navigate complex federal and local requirements. It serves clients throughout the Lodi area, offering consultations to secure appropriate policies for residential or commercial structures. The agency evaluates individual risk factors tied to flood zones and varying coverage limits. As heavy winter rains or sudden snowmelt threaten the region, many property owners turn to this agent for last-minute policy adjustments or new coverage before storm season begins.

FI
112 Church St
Farmers Insurance - Rachel Sauseda
Flood Insurance Agent · Lodi, CA

Spring rains and snowmelt in the San Joaquin Valley bring periodic flood risks to Lodi properties, increasing the need for reliable coverage guidance. Farmers Insurance agent Rachel Sauseda helps homeowners and renters assess local flood hazards and navigate National Flood Insurance Program options. They explain the standard thirty-day waiting period for new policies and review elevation certificates to match coverage with actual exposure to nearby waterways. A typical initial step includes a free telephone or in-person consultation to review the property’s flood zone designation before any formal application begins.

CP
101 N Church St
Confidence Plus Insurance Services: Allstate Insurance
Flood Insurance Agent · Lodi, CA

Confidence Plus Insurance Services: Allstate Insurance, based in Lodi, CA, provides comprehensive flood insurance coverage as part of its broader agency work. It helps property owners secure policies that address water damage from rising waters, supplementing standard property insurance. The agency’s flood insurance expertise is especially relevant for local homes and businesses near flood zones or drainage areas. It can serve a range of commercial sectors, including offices, warehouses, and food service establishments, by assessing their unique building and operational risk exposures.

EC
245 E Kettleman Ln suite a
Eugene C Yates Insurance Agency
Flood Insurance Agent · Lodi, CA
TI
1338 S School St B
Town Insurance Services
Flood Insurance Agent · Lodi, CA
(209) 368-6966
BC
317 W Lodi Ave
Bobbie Cash - State Farm Insurance Agent
Flood Insurance Agent · Lodi, CA
(209) 368-6172
bobbiecash.com
SB
1100 W Tokay St # B
Seldon Brusa Insurance Inc
Flood Insurance Agent · Lodi, CA
(209) 334-3255
brusainsurance.com
DI
310 W Pine St
DeJong Insurance Agency, Inc.
Flood Insurance Agent · Lodi, CA
(209) 368-4133
dejonginsurance.com
LU
1300 W Lodi Ave STE A1
Leavitt United
Flood Insurance Agent · Lodi, CA
(800) 549-4242
leavitt.com/united
MI
245 E Kettleman Ln
Mercury Insurance Lodi
Flood Insurance Agent · Lodi, CA
(209) 339-1130
mercuryinsurance.com/local/eugene-c-yates-insurance-045045.html
BV
310 S Crescent Ave
Big Valley Insurance Agency Inc
Flood Insurance Agent · Lodi, CA
(209) 365-9600
bigvalleyinsurance.com
NA
2020 Kettleman Ln suite b
NFP, an Aon company
Flood Insurance Agent · Lodi, CA
(209) 334-0870
nfp.com/about-nfp/find-an-office/2020-west-kettleman-lane-suite-b-lodi-california
TG
641 S Ham Ln STE A
Todd Garibaldi Insurance
Flood Insurance Agent · Lodi, CA
(209) 334-3030
garibaldiins.com
LM
212 W Pine St # 6
LaRoe & McDonald Insurance Agency
Flood Insurance Agent · Lodi, CA
(209) 339-4214
lodiinsurance.com
AI
641 S Ham Ln STE A
Alliant Insurance Services, Inc.
Flood Insurance Agent · Lodi, CA
(209) 334-3030
alliant.com
WI
777 S Ham Ln suite e
Witt Insurance Agency
Flood Insurance Agent · Lodi, CA
(209) 975-9050

What Does a a Flood Insurance Agent in Lodi Cost?

Flood insurance premiums in California vary widely based on flood zone, building elevation, and coverage amount. For an NFIP policy in Lodi, annual costs typically range from 700 to 2,500 dollars for a standard home in a high-risk zone. Private flood insurance may offer different rates or higher coverage limits. This is general information and not insurance advice.

About flood insurance agents in Lodi

Flood insurance agents in Lodi help property owners understand their flood risk and secure coverage through the National Flood Insurance Program or private insurers. California law requires lenders to mandate flood insurance for properties in high-risk Special Flood Hazard Areas. Lodi residents near the Mokelumne River or in designated flood zones should review their coverage needs annually.

Frequently Asked Questions

Is flood insurance required in Lodi California?

Flood insurance is not required by state law but is mandatory for properties with federally backed mortgages located in Special Flood Hazard Areas. Lodi property owners outside high-risk zones may still choose coverage to protect against unexpected flooding.

How does a flood insurance agent help with NFIP policies?

A flood insurance agent guides you through the NFIP application process, helps determine your flood zone, and calculates your premium based on elevation and building characteristics. They also advise on waiting periods which are typically 30 days before coverage begins.

What flood zones exist in Lodi California?

Lodi has areas designated as Zone A and Zone AE on FEMA flood maps, indicating high flood risk. Some parts of the city are in Zone X which is moderate to low risk. An agent can review your specific property address against current maps.

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.