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Find Flood Insurance Agents Near You in St Paul, MN

Browse flood insurance agents serving St Paul, Minnesota. Updated 2026-07-14.

The top-rated flood insurance agent in St Paul, Minnesota is HomeServices Insurance, Inc., rated 4.8 stars across 172 reviews. Other highly rated options include Theisen Escobar Agency, Garry Insurancenter, Farmers Insurance - Patrick Loucks. This directory lists 26 flood insurance agents serving St Paul.

Showing 26 flood insurance agents in St Paul, MNListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1HomeServices Insurance, Inc.119 14th St NW Suite 150(800) 277-0013
2Theisen Escobar Agency428 Minnesota St UNIT 500(651) 309-6040
3Garry Insurancenter2555 7th Ave E(651) 777-8361
4Farmers Insurance - Patrick Loucks991 Smith Ave S W(651) 714-7979
5Krog Insurance637 Snelling Ave N(651) 483-2919
6Wilebski Insurance Agency101 5th St E suite 202 a(651) 283-9371
7Insurance Group™445 Minnesota St #1500(763) 233-6405
8Lunar Financial Group445 Etna St #62(651) 203-7765
9Baecker Agency, Inc.: Allstate Insurance245 Ruth St N Ste 200(651) 730-6666
10Cox Insurance Associates, Inc1639 Larpenteur Ave W(651) 647-0001
HI
119 14th St NW Suite 150
HomeServices Insurance, Inc.
Flood Insurance Agent · St Paul, MN

HomeServices Insurance, Inc. serves the St. Paul, Minnesota metro area and the surrounding Ramsey County region. As a flood insurance agent, this company assists property owners in securing coverage against water damage from overflow, storm surges, and heavy rainfall. It specializes in policies provided through the National Flood Insurance Program and private market alternatives. Its services include evaluating a property’s flood risk and applying for appropriate protection plans.

TE
428 Minnesota St UNIT 500
Theisen Escobar Agency
Flood Insurance Agent · St Paul, MN

Theisen Escobar Agency provides flood insurance services across St Paul, Minnesota, including policy evaluations and claims assistance for water damage. It offers annual policy review plans to help clients understand their coverage limits and adjust to changing flood zone maps. The agency also provides follow-up consultations after heavy rain events to clarify claim procedures. It services single-family homes, apartments, retail properties, and restaurants.

GI
2555 7th Ave E
Garry Insurancenter
Flood Insurance Agent · St Paul, MN

Garry Insurancenter in St. Paul, Minnesota, serves the city and surrounding communities, handling flood insurance policies for both residential and commercial properties. Its work involves assessing local flood zone risks and matching property owners with appropriate coverage options. To navigate the complexities of National Flood Insurance Program regulations, the agent thoroughly reviews each property’s flood map designation and claims history. The company then tailors a standard policy that addresses the specific exposure of that location.

FI
991 Smith Ave S W
Farmers Insurance - Patrick Loucks
Flood Insurance Agent · St Paul, MN

Farmers Insurance - Patrick Loucks in St Paul, Minnesota offers flood insurance services that may be purchased as a one-time policy to cover a specific property or on a recurring basis to maintain continuous protection against rising water damage. Coverage generally includes structural repairs and replacement of damaged personal possessions caused by flooding events. Local properties near the Mississippi River or low-lying areas often qualify for standard federal flood insurance programs through this agency. Service appointments for policy reviews, quotes, or claims assistance are available on an as-needed basis.

KI
637 Snelling Ave N
Krog Insurance
Flood Insurance Agent · St Paul, MN

Krog Insurance serves St. Paul, Minnesota, and the surrounding communities. The agency handles flood insurance policies designed to protect residential and commercial properties. It assesses each property’s specific flood zone and risk level. The company then recommends appropriate coverage options from available federal and private programs. To handle a typical job, it first reviews the property’s location and elevation, completes the necessary paperwork, and explains the waiting period and coverage limits to the client.

WI
101 5th St E suite 202 a
Wilebski Insurance Agency
Flood Insurance Agent · St Paul, MN

After heavy spring rains in St Paul cause rising water in basements and low-lying streets, Wilebski Insurance Agency provides flood insurance guidance to property owners. This local agent evaluates individual flood risks and helps clients understand National Flood Insurance Program policies. The agency answers questions about coverage details and policy costs. Every consultation begins with an initial assessment of the property’s flood zone and a review of current insurance needs during a personal inspection.

IG
445 Minnesota St #1500
Insurance Group™
Flood Insurance Agent · St Paul, MN

Insurance Group™ assists property owners in St Paul, Minnesota with flood insurance coverage to protect against water damage from storms and rising rivers. The agency specializes in both residential and commercial policies that address flooding risks specific to the Mississippi River region. It reviews existing flood maps and elevation certificates to determine appropriate coverage limits. Commercial clients for these policies include offices, warehouses, and food service establishments.

LF
445 Etna St #62
Lunar Financial Group
Flood Insurance Agent · St Paul, MN
BA
245 Ruth St N Ste 200
Baecker Agency, Inc.: Allstate Insurance
Flood Insurance Agent · St Paul, MN

Baecker Agency, Inc.: Allstate Insurance specializes in securing flood insurance policies for properties in St. Paul. It works with homeowners and businesses to evaluate risk and obtain appropriate coverage through the National Flood Insurance Program. The agency also advises clients on standard homeowner and commercial policies that complement flood protection. As spring snowmelt often brings rising river levels in the region, the agency helps property owners review their coverage before the seasonal thaw begins.

CI
1639 Larpenteur Ave W
Cox Insurance Associates, Inc
Flood Insurance Agent · St Paul, MN

Cox Insurance Associates, Inc in St Paul, Minnesota helps homeowners secure residential flood insurance policies, addressing the specific risks posed by seasonal rains and nearby waterways. The company also offers commercial flood coverage for local businesses needing protection against rising waters, primarily serving clients throughout the St Paul metropolitan area. As flood insurance requirements and premiums change, agents here can review existing policies for adequacy during each renewal cycle, encouraging clients to return for updated consultations between their regular property insurance visits.

WI
250 Hamline Ave S
Wiessner Insurance
Flood Insurance Agent · St Paul, MN
(651) 698-0771
wiessneragency.com
NA
322 County Rd D E
NSI Agency
Flood Insurance Agent · St Paul, MN
(763) 296-1010
insuremeez.com
CI
821 Raymond Ave Bldg
Champion Insurance Services Inc
Flood Insurance Agent · St Paul, MN
(651) 644-6464
championinsuranceusa.com
FI
1306 County Rd F West Ste 230
Farmers Insurance - Bradley Sanford
Flood Insurance Agent · St Paul, MN
(651) 690-2076
agents.farmers.com/mn/saint-paul/bradley-sanford
AI
1595 Selby Ave
Abbco Insurance Agency, Inc.
Flood Insurance Agent · St Paul, MN
(651) 646-0996
carinsurancemn.com
EM
1901 Minnehaha Ave E
East Metro Insurance Agency, LLC Bill Runck
Flood Insurance Agent · St Paul, MN
(651) 323-2021
eastmetroinsurance.com
OI
3001 White Bear Ave
ONE Insurance Agency
Flood Insurance Agent · St Paul, MN
(763) 888-8837
myoneinsuranceagency.com
DL
319 Ramsey St
Dash Leander Insurance Agency - Alacrity Insurance Partners
Flood Insurance Agent · St Paul, MN
(952) 465-7187
alacrityip.com
GI
2685 Long Lake Rd
Gallagher Insurance, Risk Management & Consulting
Flood Insurance Agent · St Paul, MN
(651) 644-7200
assuredpartners.com/StPaul
VJ
426 Wabasha St S
V J Insurance
Flood Insurance Agent · St Paul, MN
(651) 330-7208
AI
1646 County Rd E E
Associated Insurance Counselor
Flood Insurance Agent · St Paul, MN
(651) 770-0343
associatedinscounselors.com
HI
1437 Marshall Ave #100
Hughes Insurance Agency
Flood Insurance Agent · St Paul, MN
(651) 645-1096
hughesinsuranceagency.com
FI
1552 White Bear Ave Ste D
Farmers Insurance - Vang Yang
Flood Insurance Agent · St Paul, MN
(651) 760-3088
agents.farmers.com/mn/saint-paul/vang-yang
MP
3260 Rice St Ste 2
Matthew Petersen - COUNTRY Financial Agent
Flood Insurance Agent · St Paul, MN
(651) 846-8162
agents.countryfinancial.com/usa/mn/shoreview/matthew-r-petersen
PC
1073 Payne Ave #1
Preferred Choice Insurance Agency Inc
Flood Insurance Agent · St Paul, MN
(651) 774-0637
pciamn.com
MS
2469 University Ave W
Minneapolis St. Paul Agency Insurance & Risk Management
Flood Insurance Agent · St Paul, MN
(651) 647-9665
mspagency.com

What Does a 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.

About flood insurance agents in St Paul

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.

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.

Flood Insurance Agents in Other Minnesota 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.