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Looking for a flood insurance agent in St Paul? Review the directory below to compare your options.
20 agents listed
Updated May 2026
St Paul, 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 20 flood insurance agents in St Paul, 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.
Flood insurance agents in St Paul help property owners secure coverage through the National Flood Insurance Program or private insurers. Minnesota law requires lenders to mandate flood insurance for properties in high-risk zones. St Paul properties near the Mississippi River or its tributaries often need this protection.
What Does a Flood Insurance Agent in St Paul Cost?
Typical flood insurance costs in Minnesota range from 500 to 3,000 dollars per year depending on flood zone risk, building value, and deductible chosen. NFIP policies have a maximum coverage of 250,000 dollars for residential buildings and 100,000 dollars for contents. Private market policies may offer higher limits or lower premiums for lower-risk properties. 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 St Paul Minnesota?
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 from heavy rain or snowmelt. An agent can review your property's flood map designation.
What does a flood insurance agent do in Minnesota?
A flood insurance agent helps you select a policy that meets NFIP or private market requirements. They explain coverage limits, deductibles, and the 30-day waiting period before coverage starts. They also assist with flood zone determination and premium estimates.
How much does flood insurance cost in St Paul?
Costs vary by flood zone, property elevation, and coverage amount. In Minnesota, NFIP policies average around 700 to 1,200 dollars per year for a standard home. High-risk areas may see premiums over 2,000 dollars. An agent can provide a personalized quote.
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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.