The top-rated flood insurance agent in Andover, Minnesota is Mike Orn - State Farm Insurance Agent, rated 5.0 stars across 596 reviews. Other highly rated options include Larsen Insurance Group, Baker Insurance Brokers, Hemgren Family Insurance. This directory lists 12 flood insurance agents serving Andover.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mike Orn - State Farm Insurance Agent | 3366 Bunker Lake Blvd NW | (763) 323-4101 |
| 2 | Larsen Insurance Group | 2705 Bunker Lake Blvd NW Suite 206 | (763) 783-1188 |
| 3 | Baker Insurance Brokers | 13750 Crosstown Dr NW #100 | (763) 316-6632 |
| 4 | Hemgren Family Insurance | 15219 Bluebird St NW | (763) 208-6196 |
| 5 | Mike Mattingley - State Farm Insurance Agent | 13412 Hanson Blvd NW | (763) 421-5850 |
| 6 | Briena Nyquist American Family Insurance | 15190 Bluebird St NW #106 | (763) 755-9305 |
| 7 | Marci Hawkins American Family Insurance | 15190 Bluebird St NW #106 | (763) 427-4055 |
| 8 | Christiansen Insurance Agency | 13828 Round Lake Blvd NW | (763) 427-2700 |
| 9 | Farrand Claim Consulting, Inc | 2520 153rd Ln NW | (763) 221-2419 |
| 10 | Oak Grove Insurance Agency - David Johnson | 17424 Marigold St NW | (763) 339-0400 |
Mike Orn - State Farm Insurance Agent serves the Andover, Minnesota, area and its surrounding communities. The agency specializes in helping local property owners navigate the complexities of flood insurance coverage. It works with homeowners, renters, and small-business operators to explain the distinctions between standard home insurance and separate flood policies. By assessing specific flood zone risks and property values, the agent identifies tailored protection plans to mitigate potential water damage. The office routinely assists with obtaining new National Flood Insurance Program policies and with processing existing flood claims.
Larsen Insurance Group provides a range of flood insurance services designed to help property owners in Andover, MN, understand and secure the appropriate coverage. The company aids clients in navigating flood risk assessments and selecting policies from available options. It offers ongoing support to review and adjust coverage as needs change. Larsen Insurance Group serves single-family homes, apartments, retail spaces, and restaurants located in the Andover area.
Baker Insurance Brokers in Andover, MN serves homeowners, businesses, and property managers seeking flood insurance protection. The agency helps clients navigate federal flood program requirements and identifies appropriate coverage for properties in designated flood zones. Agents assess individual risk factors and explain policy options clearly. Baker Insurance Brokers also assists with adjusting existing policies as community flood maps change. The agency extends its services to neighboring communities within the north metro area, including Ramsey.
Hemgren Family Insurance serves Andover, Minnesota, and the surrounding communities in Anoka County and the north metro area. This agency handles flood insurance policies for residential and commercial properties in designated flood zones. It works with homeowners, renters, and business owners to secure National Flood Insurance Program coverage as well as private market options. To determine appropriate limits and deductibles, the agent typically reviews elevation certificates and flood maps alongside each property owner's specific risk exposure.
Mike Mattingley - State Farm Insurance Agent in Andover, MN offers flood insurance as either a single-policy purchase or as an addition to a recurring homeowner's plan. The coverage helps protect structures and contents against damage from rising water and flood-related events common in the region. Unlike standard homeowners policies that exclude flood damage, this insurance fills a critical gap for properties in flood-prone zones. Service is typically arranged on a one-time, scheduled, or as-needed basis depending on the client's specific property risk and existing insurance portfolio.
Spring rains and rapid snowmelt in the Andover, MN area can quickly overwhelm storm drains, making flood insurance a serious concern for local homeowners. Briena Nyquist American Family Insurance helps residents understand their policy options to manage this specific exposure. The agency evaluates each property’s flood risk based on local geography and flood zone maps. They begin by scheduling a property inspection and reviewing elevation data to provide an accurate initial assessment of coverage needs.
Marci Hawkins American Family Insurance specializes in providing flood insurance policies for residential and commercial properties in Andover, Minnesota. It helps property owners secure coverage tailored to their specific flood risk during the application process. The agency also serves as a resource for general insurance needs, assisting clients with understanding policy terms and available protection options. Heavy spring thaws and sudden summer storms frequently cause flash flooding in the area, and the agency ensures local homeowners and businesses have coverage in place before these seasonal risks arrive.
Christiansen Insurance Agency works with property owners in Andover, Minnesota, to structure essential coverage against damages from rising water. Its flood insurance specialty adds protection beyond standard homeowners policies for homes and businesses in designated hazard zones. The agency can help secure policies through the National Flood Insurance Program or evaluate private market alternatives. Commercial clients in sectors such as offices, warehouses, and food service operations can also obtain tailored flood coverage to safeguard their assets and business continuity.
Based in Andover, MN, Farrand Claim Consulting, Inc advises homeowners in the area on securing residential flood coverage for their properties. The same detailed service also applies to commercial structures needing protection from rising waters. Clients throughout the region benefit from their guidance in navigating local flood risk requirements. After an initial policy placement, the company follows up between regular visits to review coverage needs for any changes to the property or prevailing conditions.
Oak Grove Insurance Agency - David Johnson is known for providing flood insurance coverage tailored to property owners in Andover, Minnesota, a region where seasonal weather patterns can pose a risk of water damage. The agency serves local homeowners and small businesses by helping them secure policies that address specific flood risks in their area. It also offers guidance on understanding flood zone designations and policy limits. A specialty service this agency can add on is assistance with the National Flood Insurance Program application process.
What Does a a Flood Insurance Agent in Andover Cost?
Flood insurance costs in Minnesota vary based on flood zone, property elevation, and coverage amount. For an NFIP policy in Andover, annual premiums typically range from 700 to 2000 dollars for a standard single-family home in a moderate-risk zone. Properties in high-risk zones may see premiums from 1000 to over 4000 dollars per year. Private market policies can offer different pricing and higher limits. This is general information and not insurance advice.
About flood insurance agents in Andover
Flood insurance agents in Andover Minnesota help property owners secure coverage through the National Flood Insurance Program (NFIP) and private markets. Andover is located in Anoka County where floodplains near the Rum River and local lakes can increase flood risk. Minnesota law requires lenders to mandate flood insurance for properties in high-risk zones, making an agent essential for compliance.
Frequently Asked Questions
Do I need flood insurance in Andover Minnesota?
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, many Andover homeowners choose coverage because heavy rain and snowmelt can cause unexpected flooding.
How do I find a flood insurance agent in Andover?
You can search for licensed agents through the Minnesota Department of Commerce website or ask local real estate professionals for referrals. Many independent insurance agencies in Andover offer NFIP policies and can compare private market options for you.
What does a flood insurance policy cover in Minnesota?
A standard NFIP policy covers direct physical damage from flood events, including damage to the building structure and personal belongings. Coverage limits for residential buildings are up to 250000 dollars for the structure and 100000 dollars for contents. Basement improvements and certain items may have limited coverage.
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