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HomeFlood Insurance AgentsCalifornia › Palo Alto

Find Flood Insurance Agents Near You in Palo Alto, CA

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

The top-rated flood insurance agent in Palo Alto, California is ERGO NEXT (NEXT Insurance), rated 4.5 stars across 969 reviews. Other highly rated options include Candice Kistner - State Farm Insurance Agent, Ladder, WHINS Insurance Agency. This directory lists 13 flood insurance agents serving Palo Alto.

Showing 13 flood insurance agents in Palo Alto, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1ERGO NEXT (NEXT Insurance)975 California Ave(855) 222-5919
2Candice Kistner - State Farm Insurance Agent576 Cambridge Ave(650) 424-1100
3Ladder100 Forest Ave
4WHINS Insurance Agency300 Hamilton Ave #1002(650) 899-1115
5Farmers Insurance - Jay Schmidt459 Hamilton Ave UNIT 207(650) 329-8711
6Allstate Insurance Agent Harold Lorber467 Hamilton Ave #11(650) 322-5191
7Amanda Martin - State Farm Insurance AgentCharleston Shopping Center, 3968 Middlefield Rd(650) 494-1404
8Dworkin Insurance Services624 University Ave #203(650) 329-1330
9Insurance by Lee Aldinger Insurance460 California Ave Suite #203(650) 326-3350
10Marketside Insurance Services4083 Transport St(650) 858-1123
EN
975 California Ave
ERGO NEXT (NEXT Insurance)
Flood Insurance Agent · Palo Alto, CA

ERGO NEXT serves Palo Alto and Santa Clara County as a flood insurance agent, helping property owners assess water damage risks and secure coverage from the National Flood Insurance Program. This area faces seasonal storm surges and rising creek levels, making proper protection essential for homes and businesses. The agency assists with updating policies after renovations and guides clients through required flood zone documentation for mortgage compliance. It specifically handles policy renewals for standard residential dwellings and commercial flood risk assessments for retail spaces.

CK
576 Cambridge Ave
Candice Kistner - State Farm Insurance Agent
Flood Insurance Agent · Palo Alto, CA

Homeowners, businesses, and property managers in Palo Alto rely on Candice Kistner - State Farm Insurance Agent for flood insurance coverage. This agent advises clients on National Flood Insurance Program policies to protect structures and contents from water damage. The agency also assists with understanding flood zone designations and navigating the claims process after a storm or overflow event. In addition to serving Palo Alto, the office covers property owners throughout Los Altos and the surrounding parts of Santa Clara County.

LA
100 Forest Ave
Ladder
Flood Insurance Agent · Palo Alto, CA
WI
300 Hamilton Ave #1002
WHINS Insurance Agency
Flood Insurance Agent · Palo Alto, CA

WHINS Insurance Agency serves homeowners, businesses, and property managers in Palo Alto, California, by providing flood insurance policies through the National Flood Insurance Program. It helps clients assess their flood risk, understand coverage options, and secure protection for structures and contents against water damage from rising waters. The agency guides policyholders through the application process and offers support when filing claims after a flooding event. It also extends its services to surrounding communities such as Menlo Park.

FI
459 Hamilton Ave UNIT 207
Farmers Insurance - Jay Schmidt
Flood Insurance Agent · Palo Alto, CA

Serving Palo Alto and the surrounding Santa Clara County communities, Farmers Insurance - Jay Schmidt specializes in residential and commercial flood insurance. As an agent, Jay Schmidt handles policies that protect property owners from potential water damage caused by storms and rising waterways. The agency works with clients to assess their specific flood risks based on local flood zone maps and property elevations. The approach to each policy involves carefully reviewing coverage limits and deductibles to align the plan with the property's actual exposure to flood hazards.

AI
467 Hamilton Ave #11
Allstate Insurance Agent Harold Lorber
Flood Insurance Agent · Palo Alto, CA

Allstate Insurance Agent Harold Lorber in Palo Alto, CA provides flood insurance for both one-time policy setups and ongoing annual renewals, allowing clients to choose a service frequency that matches their property risk. Coverage typically protects against water damage from rising waters, including structural and content losses. This agency serves homes and businesses in flood-prone areas, offering policies that meet federal lending requirements. Service runs on either a one-time basis for a single property purchase or on a scheduled renewal cycle to maintain continuous protection each year.

AM
Charleston Shopping Center, 3968 Middlefield Rd
Amanda Martin - State Farm Insurance Agent
Flood Insurance Agent · Palo Alto, CA

Amanda Martin - State Farm Insurance Agent in Palo Alto, CA, specializes in securing flood insurance policies that protect residential and commercial properties from water damage. It also provides general agency services to help clients review their overall coverage needs. The company guides property owners through the complexities of flood maps and federal program requirements. With heavy winter rains posing a recurring threat to Bay Area homes and businesses, the agency helps customers review their policies before the official rainy season begins.

DI
624 University Ave #203
Dworkin Insurance Services
Flood Insurance Agent · Palo Alto, CA

As winter storms and seasonal atmospheric rivers frequently threaten the Palo Alto area with flooding, homeowners seek reliable protection against water damage. Dworkin Insurance Services offers local guidance on flood insurance policies tailored to this region’s specific flood zone risks, helping clients navigate coverage requirements. The agency provides clear explanations of policy options to ensure adequate property protection. An initial appointment typically begins with an inspection of the property and a detailed assessment of its flood exposure and current coverage gaps.

IB
460 California Ave Suite #203
Insurance by Lee Aldinger Insurance
Flood Insurance Agent · Palo Alto, CA

Insurance by Lee Aldinger Insurance assists property owners in Palo Alto with securing coverage for damage caused by rising water. The agency specializes in flood insurance, helping clients navigate federal and private policy options for residential and commercial structures. Its work focuses on protecting against financial losses from storm surges, heavy rainfall, and overflowing waterways common in the area. The office can serve local commercial sectors such as offices, warehouses, and food service establishments.

MI
4083 Transport St
Marketside Insurance Services
Flood Insurance Agent · Palo Alto, CA

As a flood insurance agent in Palo Alto, California, Marketside Insurance Services specializes in helping homeowners and businesses secure National Flood Insurance Program policies. Its broader work includes assessing property-specific flood risks and guiding clients through the complexities of coverage for buildings and their contents. Given the region’s proximity to creeks and fault zones, the company particularly assists with protecting properties against heavy winter storms and the sudden flooding that can follow seasonal El Niño conditions.

AB
591 Lytton Ave
Allied Brokers Insurance Agency, Inc.
Flood Insurance Agent · Palo Alto, CA
(650) 328-1000
alliedbrokers.com
PL
Palo Alto, CA 94301
Pacific Life Insurance Co
Flood Insurance Agent · Palo Alto, CA
(650) 321-9999
pacificlife.com
FI
948 Industrial Ave
Farmers Insurance
Flood Insurance Agent · Palo Alto, CA
(650) 321-7637
agents.farmers.com/ca/palo-alto

What Does a a Flood Insurance Agent in Palo Alto Cost?

The cost of flood insurance in Palo Alto varies based on your property's flood zone, elevation, and coverage amount. For a standard NFIP policy, annual premiums typically range from 700 to 2,500 dollars for a single-family home in a moderate-risk zone. Properties in high-risk zones may pay 2,000 to 5,000 dollars or more per year. Private flood insurance can sometimes offer lower rates for lower-risk properties. This is general information and not insurance advice.

About flood insurance agents in Palo Alto

Flood insurance agents in Palo Alto help property owners understand their 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 zones, and Palo Alto has several areas near creeks and the bay that fall into these zones. An agent can guide you through the 30-day waiting period and help you comply with local floodplain management rules.

Frequently Asked Questions

Do I need flood insurance if I live outside a high-risk zone in Palo Alto?

Even if your property is in a moderate-to-low risk zone, flood insurance is still available and recommended. California law does not require it outside high-risk areas, but many homeowners choose it because heavy rain or drainage issues can still cause damage.

How long does it take for a flood insurance policy to start in California?

There is typically a 30-day waiting period before a new flood insurance policy from the NFIP takes effect. Some private insurers may offer shorter waiting periods, but you should plan ahead and not wait until a storm is forecast.

What does a flood insurance agent do differently from a regular home insurance agent?

A flood insurance agent specializes in flood risk assessment and policies under the NFIP or private flood programs. They can help you read flood maps, determine your zone, and explain coverage limits and exclusions that standard home policies do not cover.

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.