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Browse flood insurance agents serving Merced, California. Contact information and addresses listed below.
20 agents listed
Updated May 2026
Merced, 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 Merced, 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.
AAA Merced Branch
3065 M St, Merced, CA 95348
(209) 726-7440
mwg.aaa.com
Torrey Moe - State Farm Insurance Agent
61 W Alexander Ave, Merced, CA 95348
(209) 580-4432
torreymoe.com
Quote Valley Insurance - Covered California
840 W Olive Ave STE E, Merced, CA 95348
(209) 723-2000
quotevalley.com
Fluetsch & Busby Insurance
725 W 18th St #1, Merced, CA 95340
(209) 722-1541
fandb1912.com
LA SONRISA MULTI SERVICES - GAC INSURANCE AGENCY
1490 R St, Merced, CA 95340
(209) 676-2830
gacins.com
Justi Smith - State Farm Insurance Agent
830 W 19th St, Merced, CA 95340
(209) 383-3208
justismith.com
Edmar Insurance & DMV Services - M3
1277 V St, Merced, CA 95341
(209) 390-4052
edmarinsurance.com
Farmers Insurance - Annissa Fragoso
527 W Main St, Merced, CA 95340
(209) 626-5551
agents.farmers.com
Edge Insurance Services
2830 G St Ste B, Merced, CA 95340
(209) 385-3343
policyplease.com
Farmers Insurance - Robert Flores
3183 Collins Dr # C, Merced, CA 95348
(209) 580-4290
agents.farmers.com
Peter Padilla - State Farm Insurance Agent
240 E Yosemite Ave, Merced, CA 95340
(209) 383-5843
peterpadilla.com
Merced Atlas Insurance Services
1624 K St, Merced, CA 95340
(209) 626-5450
Leap | Carpenter | Kemps Insurance Agency
3187 Collins Dr, Merced, CA 95348
(209) 384-0727
Farmers Insurance - Miguel Soto
1820 P St, Merced, CA 95340
(209) 617-0982
agents.farmers.com
Salmeri Insurance
505 W 18th St, Merced, CA 95340
(209) 722-8020
salmeri.com
Barlocker Insurance Services
1164 Olivewood Dr, Merced, CA 95348
(209) 383-0220
leavitt.com
Merced Insurance
833 W 18th St, Merced, CA 95340
(209) 722-3318
mercuryinsurance.com
RC Insurance Brokers
126 W Main St Ste A, Merced, CA 95340
(209) 233-6213
rcib.net
New Horizon Insurance Services Merced
2185 G St suite 200, Merced, CA 95340
(209) 722-1400
newhorizonins.com
InterWest Insurance Services, LLC. Merced
368 E Yosemite Ave Ste. 100, Merced, CA 95340
(209) 723-9181
iwins.com
Flood insurance agents in Merced, California help property owners understand their risk and secure coverage through the National Flood Insurance Program (NFIP) or private carriers. Because Merced lies near the San Joaquin River and experiences seasonal flooding, agents can explain how California law requires lenders to mandate flood insurance for properties in high-risk zones. Working with a local agent ensures you get a policy that meets both federal requirements and your specific needs.
What Does a Flood Insurance Agent in Merced Cost?
In California, flood insurance premiums through the NFIP average between 700 and 2,000 dollars per year for most homes, but costs vary based on flood zone, elevation, and building characteristics. Private market policies may cost more or less depending on risk assessment. Your agent can provide a quote after reviewing your property. 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
Do I need flood insurance in Merced California?
If your property is in a FEMA-designated Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, your lender will require flood insurance. Even outside high-risk zones, California law allows agents to offer policies to reduce financial risk from unexpected storms or levee failures.
What does a flood insurance policy in California typically cover?
A standard NFIP policy covers up to 250,000 dollars for the building and 100,000 dollars for contents. It does not cover basements or items stored in flood-prone areas. Private policies may offer higher limits or additional coverage for temporary housing.
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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.