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Directory of flood insurance agents in San Diego, California. Verify credentials with the state department of insurance before hiring.
20 agents listed
Updated May 2026
San Diego, 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 San Diego, 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.
California Flood Insurance Services
7960 Silverton Ave #203, San Diego, CA 92126
(855) 225-3566
californiafloodinsurance.com
Fusco Orsini & Associates Insurance Services
8880 Rio San Diego Dr Ste 725, San Diego, CA 92108
(888) 789-6175
foagency.com
The Insurance Store
10981 San Diego Mission Rd #230, San Diego, CA 92108
(619) 401-1800
tisteam.com
Kiesau Insurance Services
9968 Hibert St #104, San Diego, CA 92131
(858) 566-8555
kiesauinsuranceservices.com
Ronald Wang - State Farm Insurance Agent
12880 Rancho Peñasquitos Blvd Ste D, San Diego, CA 92129
(858) 484-1297
agentrwang.com
Beach Break Insurance Agency #6008907
4849 Ronson Ct # 210, San Diego, CA 92111
(619) 567-7227
beachbreakinsurance.com
Richard Turner Insurance Agency
3511 Camino del Rio S UNIT 403, San Diego, CA 92108
3517 Camino del Rio S Suite 215 PMB 1601, San Diego, CA 92108
(858) 386-4443
pacpremier.com
Hultz Insurance
944 C St, San Diego, CA 92101
(619) 239-9616
hultzonline.com
Farmers Insurance - Dion Light
11440 W Bernardo Ct #210, San Diego, CA 92127
(858) 643-9263
agents.farmers.com
Oak Leaf Insurance Brokers
16776 Bernardo Center Dr Suite 203, San Diego, CA 92128
(858) 485-1156
oakleafins.com
Safer Insurance Agency Inc.
4686 Market St E21A, San Diego, CA 92102
(619) 955-7718
saferinsurance.com
Ives Insurance Services
2150 Chatsworth Blvd, San Diego, CA 92107
(619) 224-5337
ivesins.com
Flood insurance agents in San Diego help property owners secure coverage through the National Flood Insurance Program or private insurers. California law requires lenders to mandate flood insurance for properties in Special Flood Hazard Areas designated by FEMA. Agents can explain elevation certificates and flood zone maps specific to San Diego neighborhoods like Mission Valley or La Jolla.
What Does a Flood Insurance Agent in San Diego Cost?
In California, NFIP flood insurance premiums average between 700 and 2,000 dollars per year for a standard single-family home, but costs vary widely based on flood zone, elevation, and deductible. Private flood insurance may cost 500 to 3,000 dollars annually. Rates are regulated by the California Department of Insurance. 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 San Diego?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, flood damage is not covered by standard homeowners policies.
What does a flood insurance agent do in California?
An agent helps you compare NFIP policies with private flood insurance options. They can review flood maps for your San Diego address and explain coverage limits for building and contents.
How long does it take to get flood insurance in California?
NFIP policies typically have a 30-day waiting period before coverage starts. Private insurers may offer shorter waits. Plan ahead especially during rainy season or before a storm.
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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.