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Directory of flood insurance agents in San Carlos, California. Verify credentials with the state department of insurance before hiring.
8 agents listed
Updated May 2026
San Carlos, 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 8 flood insurance agents in San Carlos, 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.
Gina Vallee - State Farm Insurance Agent
632 El Camino Real, San Carlos, CA 94070
(650) 593-8425
ginavallee.net
Nadler Insurance, Inc.
1560 Laurel St #200, San Carlos, CA 94070
(650) 508-8000
nadlerinsurance.com
Ray Sullivan: Allstate Insurance
742 El Camino Real, San Carlos, CA 94070
(650) 593-1221
agents.allstate.com
ISU Lovering Insurance Services
1121 Laurel St, San Carlos, CA 94070
(650) 593-7601
isulovering.com
Professional Insurance associates
1100 Industrial Rd STE 3, San Carlos, CA 94070
(650) 592-7333
piainc.com
365 Gold Insurance Services
104 El Camino Real, San Carlos, CA 94070
(650) 777-7680
agency.nationwide.com
Farmers Insurance - Nicky Papadakis
1355 Laurel St, San Carlos, CA 94070
(650) 593-1666
agents.farmers.com
Welcare Financial Group
1668 El Camino Real, San Carlos, CA 94070
(650) 802-9288
Flood insurance agents in San Carlos, California help homeowners and renters secure coverage through the National Flood Insurance Program (NFIP) or private insurers. San Carlos sits in San Mateo County, where certain areas near the San Francisco Bay and creeks may fall into Special Flood Hazard Areas. California law requires lenders to mandate flood insurance for properties in high-risk zones, so working with a local agent ensures you meet those requirements.
What Does a Flood Insurance Agent in San Carlos Cost?
Flood insurance costs in San Carlos vary based on your property's flood zone, elevation, and coverage amount. An NFIP policy typically ranges from 700 to 2,000 dollars per year for a standard home, while private policies may cost 500 to 1,500 dollars annually. Premiums can be higher for properties in high-risk zones or with basements. 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
What does a flood insurance agent in San Carlos do?
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 for NFIP policies before coverage begins.
Is flood insurance required in San Carlos?
Flood insurance is required by federal law if your property is in a high-risk flood zone and you have a federally backed mortgage. In San Carlos, some areas near the bay or creeks are designated as Zone AE or VE, which trigger this requirement.
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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.