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Directory of flood insurance agents in Elk River, Minnesota. Verify credentials with the state department of insurance before hiring.
16 agents listed
Updated May 2026
Elk River, 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 16 flood insurance agents in Elk River, 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.
Kevin Gleitz - State Farm Insurance Agent
370 Jackson Ave NW, Elk River, MN 55330
(763) 441-2482
getrednow.com
Wayne Swart - State Farm Insurance Agent
817 Main St NW, Elk River, MN 55330
(763) 274-2000
wayneswart.com
The Pampusch Agency
17205 Yale St NW Suite B, Elk River, MN 55330
(763) 441-4250
agents.fuainsurance.com
North Central Insurance Agency
16854 US-10, Elk River, MN 55330
(763) 241-7900
northcentralinsurance.com
Elk Agency Insurance
325 Main St NW, Elk River, MN 55330
(763) 241-0656
elkagency.com
Bonnie Koste Agency Inc American Family Insurance
913 Main St NW, Elk River, MN 55330
(763) 441-9029
amfam.com
Pentagon Insurance
18853 Freeport St NW, Elk River, MN 55330
(763) 331-8700
pentagoninsuranceagency.com
Forthright Insurance LLC
231 Main St NW #3, Elk River, MN 55330
(763) 447-4112
forthrightinsurancemn.com
Patriot Insurance Brokers
312 Main St NW, Elk River, MN 55330
(763) 595-1544
patriotinsurancebrokers.com
Farmers Insurance - David Stokke
625 Main St NW, Elk River, MN 55330
(763) 441-4761
agents.farmers.com
Integrity
10th Ave, Elk River, MN 55330
(763) 441-6361
integrityexperience.com
Affordable Insurance Solutions
10997 185th Ave NW, Elk River, MN 55330
(612) 226-0437
affordableinsurancemn.com
Oakwood
649 Main St NW, Elk River, MN 55330
(763) 441-8405
insuranceonmain.com
Paul Ostmoe American Family Insurance
400 Jackson Ave NW Suite 203, Elk River, MN 55330
(763) 441-5561
amfam.com
Insurance on Main - Dan Pecka
649 Main St NW, Elk River, MN 55330
(763) 441-8405
insuranceonmain.com
Insurance Specialists Team
578 Dodge Ave NW, Elk River, MN 55330
(763) 390-4872
Flood insurance agents in Elk River, Minnesota help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Elk River is located near the Mississippi River, so flood risk is a concern for many homes and businesses. Minnesota law requires lenders to mandate flood insurance for properties in Special Flood Hazard Areas (SFHAs).
What Does a Flood Insurance Agent in Elk River Cost?
Typical flood insurance costs in Elk River range from 500 to 2,500 per year for NFIP policies in moderate-risk zones, and 2,000 to 5,000 or more for high-risk zones. Private insurers may offer rates as low as 400 per year for low-risk homes. Costs depend on your property elevation, flood zone, coverage amount, and deductible. This is general information and 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 Elk River Minnesota?
Flood insurance is required by lenders if your property is in a Special Flood Hazard Area (SFHA) as shown on FEMA flood maps. Even outside high-risk zones, flood insurance is recommended because 20% of flood claims occur in moderate-to-low risk areas. Minnesota does not have a state law requiring flood insurance, but mortgage lenders enforce the federal requirement.
What does a flood insurance agent do in Elk River?
A flood insurance agent helps you determine your flood zone, compare NFIP and private flood insurance options, and complete the application. They also explain coverage limits, deductibles, and the 30-day waiting period before a policy takes effect. Agents in Minnesota must be licensed by the Minnesota Department of Commerce.
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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 Minnesota.