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Looking for a flood insurance agent in Poway? Review the directory below to compare your options.
10 agents listed
Updated May 2026
Poway, 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 10 flood insurance agents in Poway, 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.
Farmers Insurance - Marc Nimetz
15644 Pomerado Rd Ste 104, Poway, CA 92064
(858) 866-8147
agents.farmers.com
Bob Francy III - State Farm Insurance Agent
12605 Poway Rd ste a, Poway, CA 92064
(858) 451-1915
bobfrancy.com
Kristin Francy - State Farm Insurance Agent
12605 Poway Rd # C, Poway, CA 92064
(858) 484-4141
francyinsurance.com
Hannah Chavez: Allstate Insurance
12700 Stowe Dr #220, Poway, CA 92064
(858) 513-0110
agents.allstate.com
Del Dios Insurance Services Inc
12923 Pomerado Rd # A, Poway, CA 92064
(760) 975-9554
fast2insure.com
Farmers Insurance - Cathy Peterson
12759 Poway Rd #203, Poway, CA 92064
(858) 748-3134
agents.farmers.com
Mike Dolan - State Farm Insurance Agent
12605 Poway Rd Ste B, Poway, CA 92064
(858) 486-7290
autofirebusiness.com
Ron Tocki Insurance Agency
14260 Garden Rd #24b, Poway, CA 92064
(858) 492-0511
Allstate Personal Financial Representative: Thomas Garcia
12700 Stowe Dr #220, Poway, CA 92064
(858) 679-0719
agents.allstate.com
Powell Commercial Insurance Services, LLC
14277 Garden Rd, Poway, CA 92064
(619) 517-5976
Flood insurance agents in Poway California help property owners secure coverage through the National Flood Insurance Program or private insurers. Poway is in San Diego County and has areas designated as Special Flood Hazard Areas by FEMA. California law requires lenders to mandate flood insurance for properties in high-risk zones with a federally backed mortgage.
What Does a Flood Insurance Agent in Poway Cost?
Flood insurance costs in California depend on factors like flood zone, building elevation, and coverage limits. For an NFIP policy, annual premiums typically range from 600 to 2000 dollars for a single-family home in moderate-to-low risk zones, and can be higher in high-risk zones. Private market policies may offer lower rates or higher coverage limits. An agent in Poway can provide a personalized quote. 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 Poway California?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. Even outside high-risk zones, flooding can occur from heavy rain or runoff, so an agent can help you evaluate your risk.
What does a flood insurance agent in Poway do?
A flood insurance agent helps you understand your flood zone, compare NFIP and private market policies, and complete the application. They can also assist with elevation certificates and explain waiting periods, which are typically 30 days for NFIP policies.
How much does flood insurance cost in Poway California?
Costs vary by property elevation, flood zone, and coverage amount. NFIP policies in California average around 700 to 1000 dollars per year for standard coverage. Private policies may offer different rates and higher limits. An agent can provide a quote based on your specific property.
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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.