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HomeFlood Insurance AgentsCalifornia › San Juan Capistrano

Find Flood Insurance Agents Near You in San Juan Capistrano, CA

Browse flood insurance agents serving San Juan Capistrano, California. Updated 2026-07-14.

The top-rated flood insurance agent in San Juan Capistrano, California is Acrisure Capistrano, CA (Insurance Solutions), rated 5.0 stars across 344 reviews. Other highly rated options include Stephanie Frisch Insurance 101 Services, John Kerkes - State Farm Insurance Agent, Richard Dong - State Farm Insurance Agent. This directory lists 13 flood insurance agents serving San Juan Capistrano.

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

Comparison

Top 10 listings
#NameAddressPhone
1Acrisure Capistrano, CA (Insurance Solutions)33302 Valle Rd suite 200(800) 969-8082
2Stephanie Frisch Insurance 101 Services30320 Rancho Viejo Rd #16(949) 292-4958
3John Kerkes - State Farm Insurance Agent31815 Camino Capistrano #26(949) 661-0485
4Richard Dong - State Farm Insurance Agent27130 Paseo Espada Ste 503(949) 855-1310
5McDonough Insurance Services27136 Paseo Espada #103(949) 361-8471
6Hackett Insurance Services - Farmers Insurance33161 Camino Capistrano k2(949) 943-3610
7King Insurance Support Systems31381 Rancho Viejo Rd #101(949) 488-2255
8Mares Insurance Services32122 Camino Capistrano Suite 210(949) 525-0570
9Farmers Insurance - Robert Heineman32341 Camino Capistrano Ste I(949) 831-3723
10Melinda Smith Insurance Agency representing Horace Mann Insurance30320 Rancho Viejo Rd #10(949) 388-6000
AC
33302 Valle Rd suite 200
Acrisure Capistrano, CA (Insurance Solutions)
Flood Insurance Agent · San Juan Capistrano, CA

Acrisure Capistrano, CA (Insurance Solutions) serves the San Juan Capistrano area and the broader Orange County region, specializing in flood insurance agent services. It helps property owners assess their risk and secure appropriate coverage for flood-prone locations. The agency understands the specific requirements of local communities and assists clients in navigating federal and private insurance options. This includes advising on elevation certificates and managing flood zone designations. The company handles both residential policy renewals and commercial property flood risk assessments.

SF
30320 Rancho Viejo Rd #16
Stephanie Frisch Insurance 101 Services
Flood Insurance Agent · San Juan Capistrano, CA

Stephanie Frisch Insurance 101 Services provides flood insurance coverage for properties in San Juan Capistrano, California, helping clients understand policy options and navigate flood zone regulations. The company assists customers with selecting appropriate plans and can guide them through the claims process following a flood event. It services a variety of property types in the area, including single-family homes, apartments, retail spaces, and restaurants.

JK
31815 Camino Capistrano #26
John Kerkes - State Farm Insurance Agent
Flood Insurance Agent · San Juan Capistrano, CA

Homeowners, businesses, and property managers seeking reliable flood coverage can contact John Kerkes, an independent State Farm Insurance agent in San Juan Capistrano. The agency handles a variety of flood insurance policies to help protect properties from water damage. Clients receive guidance on selecting appropriate coverage levels for their specific needs. The agent also serves the surrounding areas of Orange County, including the nearby community of Dana Point.

RD
27130 Paseo Espada Ste 503
Richard Dong - State Farm Insurance Agent
Flood Insurance Agent · San Juan Capistrano, CA

Serving San Juan Capistrano and the surrounding Orange County communities, Richard Dong - State Farm Insurance Agent handles flood insurance policies for residential and commercial properties. The agency helps property owners understand their flood risk and navigate coverage options available through the National Flood Insurance Program. For a typical job, the agent works closely with clients to assess their specific needs and provides clear explanations of policy details and requirements to ensure informed coverage decisions.

MI
27136 Paseo Espada #103
McDonough Insurance Services
Flood Insurance Agent · San Juan Capistrano, CA

McDonough Insurance Services in San Juan Capistrano, CA helps clients choose between a one-time flood policy for a single property purchase or a recurring annual plan that renews automatically. Their coverage protects against rising water damage from storms or overflow, essential for this coastal area. Service is available on an as-needed basis for new policies or policy changes, with annual renewals scheduled for existing clients.

HI
33161 Camino Capistrano k2
Hackett Insurance Services - Farmers Insurance
Flood Insurance Agent · San Juan Capistrano, CA

As winter storms and seasonal rains threaten many San Juan Capistrano neighborhoods with flash flooding, Hackett Insurance Services - Farmers Insurance provides essential flood insurance guidance for local homeowners and renters. This agency helps clients understand their flood risk and navigate National Flood Insurance Program policies, ensuring appropriate coverage for the area’s unique watershed concerns. To begin protecting a property from potential water damage, an agent will schedule a thorough property inspection and discuss individual flood exposure levels during the initial assessment.

KI
31381 Rancho Viejo Rd #101
King Insurance Support Systems
Flood Insurance Agent · San Juan Capistrano, CA

King Insurance Support Systems specializes in flood insurance policies for properties in San Juan Capistrano, offering tailored coverage options for single-family homes, commercial buildings, and rental units. The agency assists clients with navigating National Flood Insurance Program requirements and adjusting existing policies to reflect property changes. It also reviews policy limits and deductibles to match local flood zone risks. This agent helps homeowners prepare for El Niño storm seasons and flash flood events that frequently affect nearby creeks and canyon areas.

MI
32122 Camino Capistrano Suite 210
Mares Insurance Services
Flood Insurance Agent · San Juan Capistrano, CA

Mares Insurance Services helps property owners manage risk through a range of coverage options, specializing in flood insurance policies for the San Juan Capistrano area. The agency addresses the specific flood exposure common to Southern California, including risks from heavy rain and storm surges. Its work supports residential clients as well as a variety of commercial sectors, offering tailored policies for offices, warehouses, and food service operations.

FI
32341 Camino Capistrano Ste I
Farmers Insurance - Robert Heineman
Flood Insurance Agent · San Juan Capistrano, CA

Farmers Insurance - Robert Heineman serves residential properties in San Juan Capistrano and surrounding areas, offering flood insurance policies to protect homeowners from potential water damage. Commercial coverage is also available for local businesses seeking similar financial safeguards against flood-related losses. The agency provides ongoing service consistency, ensuring follow-up consultations and policy adjustments between regular visits to maintain proper protection as conditions evolve.

MS
30320 Rancho Viejo Rd #10
Melinda Smith Insurance Agency representing Horace Mann Insurance
Flood Insurance Agent · San Juan Capistrano, CA

Melinda Smith Insurance Agency representing Horace Mann Insurance is a flood insurance agent serving the San Juan Capistrano, California area. The agency helps property owners understand their flood risk and secure coverage that protects homes and businesses from water damage. Policies can be tailored to address the specific needs of properties in flood-prone zones and coastal regions. The agency also counsels clients on the benefits of adding sewer backup protection as an optional endorsement to their policy.

NI
31726 Rancho Viejo Rd # 205
NEXA Insurance Services
Flood Insurance Agent · San Juan Capistrano, CA
(949) 610-3444
FI
30900 Rancho Viejo Rd #200
Farmers Insurance - John Kissel
Flood Insurance Agent · San Juan Capistrano, CA
(949) 350-5856
agents.farmers.com/ca/san-juan-capistrano/john-kissel
JW
31877 Del Obispo St
Jay Welther Insurance
Flood Insurance Agent · San Juan Capistrano, CA
(949) 768-1188

What Does a a Flood Insurance Agent in San Juan Capistrano Cost?

Flood insurance costs in San Juan Capistrano vary based on flood zone, elevation, and building characteristics. NFIP rates for a standard home can range from about 700 to 2,000 dollars per year in moderate-risk zones, while high-risk properties may pay 2,000 to 5,000 dollars or more. Private market policies may offer different pricing. This is general information and not insurance advice.

About flood insurance agents in San Juan Capistrano

Flood insurance agents in San Juan Capistrano 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 designated by FEMA. Local agents can guide you through elevation certificates and flood zone map changes specific to Orange County.

Frequently Asked Questions

Do I need flood insurance in San Juan Capistrano?

If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, you are required to carry flood insurance. Even outside high-risk zones, many local agents recommend coverage due to heavy rain events and nearby creeks.

What does a flood insurance agent do for me?

A flood insurance agent assesses your property risk, explains NFIP and private policy options, and helps you complete the application. They can also assist with elevation certificates and claims support after a flood event.

How long does it take to get flood insurance in California?

NFIP policies typically have a 30-day waiting period before coverage begins. Private insurers may offer shorter waits. An agent can help you plan ahead to meet your closing or protection timeline.

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.