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Find Flood Insurance Agents Near You in Circle Pines, MN
Looking for a flood insurance agent in Circle Pines? Review the directory below to compare your options.
5 agents listed
Updated May 2026
Circle Pines, MN
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 Minnesota before hiring.
Showing 5 flood insurance agents in Circle Pines, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Mike Doperalski - State Farm Insurance Agent
3453 Lake Dr Suite 120, Circle Pines, MN 55014
(952) 955-9095
insurancemnsf.com
Onyx Insurance Brokers Inc
3521 88th Ave NE, Circle Pines, MN 55014
(651) 964-4020
onyxinsurancebrokers.com
Unidale Insurance Agency
4010 Lovell Rd NE, Circle Pines, MN 55014
(651) 227-8251
unidaleinsurance.com
Greg Ganyo Insurance Agency
3521 88th Ave NE, Circle Pines, MN 55014
(651) 415-1117
ganyoagency.com
RDM Insurance Agency Inc.
9201 Lexington Ave NE, Circle Pines, MN 55014
(763) 784-2426
rdmagency.com
Flood insurance agents in Circle Pines, Minnesota help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Circle Pines is located in Anoka County, where some areas are designated as Special Flood Hazard Areas (SFHAs) due to proximity to Rice Creek and other waterways. Minnesota law requires lenders to mandate flood insurance for properties in high-risk zones with federally backed mortgages.
What Does a Flood Insurance Agent in Circle Pines Cost?
Flood insurance costs in Minnesota vary based on flood zone, building elevation, and coverage amount. For an NFIP policy, annual premiums typically range from 700 to 2,000 dollars for a standard single-family home in a moderate-risk zone, but can exceed 5,000 dollars in high-risk areas. Private flood insurance may offer different rates and coverage options. 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 Circle Pines?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required. Even outside high-risk zones, flooding can occur, so an agent can help you evaluate your risk.
How does a flood insurance agent help with NFIP policies?
A flood insurance agent guides you through the NFIP application process, explains coverage limits, and ensures your policy meets Minnesota floodplain management requirements. They can also help with elevation certificates and policy renewals.
What is the waiting period for flood insurance in Minnesota?
NFIP policies typically have a 30-day waiting period before coverage begins. This applies to all new policies in Minnesota. An agent can advise on exceptions, such as when coverage is required for a mortgage closing.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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 Minnesota.