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HomeFlood Insurance AgentsCalifornia › San Rafael

Find Flood Insurance Agents Near You in San Rafael, CA

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

The top-rated flood insurance agent in San Rafael, California is Trevor Lam - State Farm Insurance Agent, rated 5.0 stars across 276 reviews. Other highly rated options include Bal Claire - State Farm Insurance Agent, Brittany Keyes - State Farm Insurance Agent, AAA San Rafael Branch. This directory lists 19 flood insurance agents serving San Rafael.

Showing 19 flood insurance agents in San Rafael, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Trevor Lam - State Farm Insurance Agent851 Irwin St Suite 300(415) 233-4356
2Bal Claire - State Farm Insurance Agent25 Mitchell Blvd #4(415) 479-8086
3Brittany Keyes - State Farm Insurance Agent660 Las Gallinas Ave Suite B(415) 479-5900
4AAA San Rafael Branch99 Smith Ranch Rd(415) 488-2900
5Adam Lazar: Allstate Insurance52 Mitchell Blvd(415) 456-8522
6Lisa Elkins-Reuter - State Farm Insurance Agent1852 4th St(415) 482-6686
7Coastal Pacific Insurance Marketing LLC77 Mark Dr #24(415) 472-1800
8Whitecap Insurance Services1623 Fifth Ave A(415) 499-7722
9Farmers Insurance - Nury Alvarenga1368 Lincoln Ave Ste 102(415) 457-8319
10Farmers Insurance - Ruth Morales26 Medway Rd Ste 13(415) 870-9190
TL
851 Irwin St Suite 300
Trevor Lam - State Farm Insurance Agent
Flood Insurance Agent · San Rafael, CA

Trevor Lam - State Farm Insurance Agent serves the San Rafael, CA area and the surrounding Marin County region by offering flood insurance coverage. This agency helps homeowners and renters secure flood policies, which address property damage from rising waters and storms. Policies are tailored to local flood risks and community flood zone regulations. The agency also reviews existing plans to identify coverage gaps. Specifically, it handles claims assistance and flood risk assessments for properties in this area.

BC
25 Mitchell Blvd #4
Bal Claire - State Farm Insurance Agent
Flood Insurance Agent · San Rafael, CA

For homeowners, businesses, and property managers in San Rafael, Bal Claire - State Farm Insurance Agent provides flood insurance agent services. This agency helps clients assess their flood risk and navigate policy options through the National Flood Insurance Program. Standard coverages address physical damage to structures and contents from rising water. The agent assists with quoting, coverage selection, and claims support for property in designated flood zones. The practice also serves nearby communities throughout Marin County, including the neighborhoods of San Anselmo and Fairfax.

BK
660 Las Gallinas Ave Suite B
Brittany Keyes - State Farm Insurance Agent
Flood Insurance Agent · San Rafael, CA

Serving San Rafael and the surrounding Marin County communities, this agency specializes in flood insurance policies designed to protect residential and commercial properties from water damage. It assists clients in navigating National Flood Insurance Program requirements and private market options. For each policy, the agent conducts a thorough assessment of a property’s flood zone designation, uses detailed elevation data to calculate precise coverage needs, and then presents tailored recommendations for the appropriate policy limits.

AS
99 Smith Ranch Rd
AAA San Rafael Branch
Flood Insurance Agent · San Rafael, CA

AAA San Rafael Branch provides comprehensive flood insurance services for properties in the San Rafael area. Their offerings include policy consultation, risk assessment, and claims assistance for clients navigating flood coverage needs. The agent helps property owners understand their flood zone designations and select appropriate coverage levels for their specific situations. The branch also offers regular policy reviews to adjust coverage as conditions change. They serve a diverse range of property types, including single-family homes, apartments, retail establishments, and restaurants.

AL
52 Mitchell Blvd
Adam Lazar: Allstate Insurance
Flood Insurance Agent · San Rafael, CA

In the San Rafael area, flood insurance protects property through either a one-time consultation or an ongoing agency relationship for annual policy reviews and claims support. Coverage typically addresses structural damage and contents loss caused by rising waters. A local flood insurance agent can help residents understand federal program requirements, elevation rating factors, and flood zone designations. As with many local agencies, this Allstate operation provides its flood insurance services on a scheduled, annual-renewal basis, with additional as-needed consultation available after storms or map changes.

LE
1852 4th St
Lisa Elkins-Reuter - State Farm Insurance Agent
Flood Insurance Agent · San Rafael, CA

Lisa Elkins-Reuter - State Farm Insurance Agent in San Rafael, CA, specializes in flood insurance policies that protect homes and businesses from water damage. The agency also assists local clients with general insurance needs, including auto, life, and homeowners coverage. With San Rafael’s proximity to waterways and seasonal storm risks, the agent helps residents evaluate their flood exposure and secure appropriate coverage before the rainy season heightens concerns about flash flooding and rising water levels.

CP
77 Mark Dr #24
Coastal Pacific Insurance Marketing LLC
Flood Insurance Agent · San Rafael, CA

Property owners in Marin County know how suddenly winter storms can turn flooded streets and saturated hillsides into costly water damage claims. Coastal Pacific Insurance Marketing LLC, located in San Rafael, helps local homeowners and businesses navigate National Flood Insurance Program options specific to this region. As a dedicated flood insurance agent, the company focuses on matching coverage to the property’s actual flood zone and elevation risk. Initial service includes a thorough risk assessment and policy review to determine each building’s precise premium requirements.

WI
1623 Fifth Ave A
Whitecap Insurance Services
Flood Insurance Agent · San Rafael, CA

Whitecap Insurance Services provides residential flood insurance to homeowners in San Rafael, California, and the surrounding region. The agency also assists commercial property owners with securing appropriate flood coverage for their business needs. They maintain a focus on policy renewal and annual review, helping clients adjust their coverage as flood zone maps and property values change. A follow-up service is offered to ensure policies remain current between regular visits.

FI
1368 Lincoln Ave Ste 102
Farmers Insurance - Nury Alvarenga
Flood Insurance Agent · San Rafael, CA

Farmers Insurance - Nury Alvarenga in San Rafael, California provides comprehensive property insurance services for homeowners and renters in the North Bay region. The agency specifically specializes in flood insurance coverage, helping clients prepare for the substantial water damage risks common to the area’s flood-prone zones. Beyond residential policies, the agency offers tailored flood protection packages for local commercial sectors, including offices, warehouses, and food service establishments.

FI
26 Medway Rd Ste 13
Farmers Insurance - Ruth Morales
Flood Insurance Agent · San Rafael, CA

Farmers Insurance - Ruth Morales is a flood insurance agency known for guiding property owners in San Rafael, CA through the complexities of flood risk coverage. It serves individuals and businesses seeking policies that protect against water damage from natural flooding events. This agency assesses local flood zone maps and helps clients select appropriate plans through the National Flood Insurance Program. Specialty add-on coverage is available for basement improvements and personal property storage in flood-prone areas.

SI
165 N Redwood Dr # 120
Simon Insurance Agency
Flood Insurance Agent · San Rafael, CA
(415) 457-1020
simoninsurance.net
UG
35 Mitchell Blvd Suite 3
United General Insurance Agency
Flood Insurance Agent · San Rafael, CA
(415) 922-7283
getunitedgeneral.com
FI
1601 Second St #102
Farmers Insurance - Daniel Martinez
Flood Insurance Agent · San Rafael, CA
(650) 644-1080
agents.farmers.com/ca/san-rafael/daniel-martinez
FI
501 B St
Farmers Insurance - Ross Parmenter
Flood Insurance Agent · San Rafael, CA
(415) 578-5833
agents.farmers.com/ca/san-rafael/ross-parmenter
GP
4306 Redwood Hwy #100
George Petersen Insurance Agency
Flood Insurance Agent · San Rafael, CA
(415) 454-6454
gpins.com
SI
1101 Fifth Ave #375
Spero Insurance Agency
Flood Insurance Agent · San Rafael, CA
(877) 450-4880
spero-insurance.com
MI
1050 Northgate Dr # 515
McNamara Insurance Services Inc
Flood Insurance Agent · San Rafael, CA
(415) 457-7856
4apolicy.com
WI
2 California Ave
Wise Insurance Agency
Flood Insurance Agent · San Rafael, CA
(415) 258-4935
wiseinsuranceagency.net
MP
1430 4th St
Marin Pacific Co Inc
Flood Insurance Agent · San Rafael, CA
(415) 453-1620

What Does a a Flood Insurance Agent in San Rafael Cost?

Typical annual premiums for flood insurance in California range from 700 to 2000 dollars for NFIP policies in moderate-risk zones. High-risk areas in San Rafael may cost 2000 to 5000 dollars or more depending on elevation and coverage amount. Private market policies can vary widely. This is general information and not insurance advice.

About flood insurance agents in San Rafael

Flood insurance agents in San Rafael help property owners secure coverage through the National Flood Insurance Program and private insurers. California law requires lenders to mandate flood insurance for properties in high-risk flood zones designated by FEMA. Marin County has several Special Flood Hazard Areas near the San Francisco Bay and local creeks.

Frequently Asked Questions

Do I need flood insurance if I live outside a flood zone in San Rafael?

Even properties outside high-risk zones can flood. Many California homeowners purchase flood insurance for peace of mind. Your agent can help you assess your risk and find an affordable policy.

How does a California flood insurance agent determine my premium?

The agent uses your property elevation relative to base flood elevation, flood zone designation, and building characteristics. In California, the NFIP sets standard rates, but private insurers may offer different pricing.

What is the waiting period for a new flood insurance policy in California?

Standard NFIP policies have a 30-day waiting period before coverage begins. California law does not change this federal requirement. Plan ahead if you are closing on a home or expect heavy rains.

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.