The top-rated flood insurance agent in Fargo, North Dakota is Far North Insurance, rated 4.9 stars across 204 reviews. Other highly rated options include Grand Slam Insurance, Superior Insurance, Summit Insurance Agency. This directory lists 17 flood insurance agents serving Fargo.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Far North Insurance | 3357 39th St S # 1 | (701) 237-6651 |
| 2 | Grand Slam Insurance | 1205 16th Ave S | (701) 356-3265 |
| 3 | Superior Insurance | 1002 28th St S | (701) 356-3256 |
| 4 | Summit Insurance Agency | 5302 51st Ave S Unit C | (701) 390-1994 |
| 5 | OnPoint Insurance Services | 3575 45th St S Suite #100 | (701) 353-2592 |
| 6 | Sarah Herlihy Agency - Nodak Insurance Company | 4141 31st Ave S Suite 105 | (701) 566-2128 |
| 7 | FM Insurance | 428 25th St S | (701) 271-8110 |
| 8 | Dawson Insurance Agency | 505 Broadway N Suite 100 | (701) 237-3311 |
| 9 | RJ Bailey Insurance Center | 3611 Lincoln St S Ste C | (701) 356-7001 |
| 10 | Yahnke Insurance Agency | 1704 Main Ave | (701) 232-5722 |
Far North Insurance serves Fargo and the surrounding Cass County area, specializing in advising property owners on flood insurance needs. The agency helps clients understand federal flood program requirements and identify appropriate levels of coverage for their homes or businesses. Navigating flood maps and elevation certificates is central to its work. It assists with securing policies for both residential and commercial properties.
Grand Slam Insurance provides a full range of flood insurance agent services for properties in the Fargo, ND area, including policy evaluation, coverage selection guidance, and claims assistance. It also offers regular maintenance plans to help clients review their policies annually for changing flood zone risks and ensure adequate protection. These plans are designed to keep coverage aligned with current property values and local floodplain regulations. The company handles coverage for single-family homes, apartments, retail businesses, and restaurants.
Superior Insurance serves Fargo, North Dakota, and its surrounding communities with flood insurance agency services. The company handles residential and commercial flood policies, guiding clients through the complexities of federal and private coverage options. Because flooding risks vary greatly within this region, it offers personalized risk assessments to ensure appropriate protection is secured. For each assignment, the agency conducts a thorough review of the property’s location and flood zone designations before presenting suitable policy choices tailored to the client’s specific needs.
Summit Insurance Agency offers both one-time policy consultations and ongoing flood insurance management for property owners in Fargo, ND. Coverage options typically include structural damage from rising water, debris removal, and contents protection for residential or commercial structures. The agent assists clients in understanding federal flood maps and selecting appropriate limits. Services are available on a scheduled basis, with appointments arranged to review policy updates or renewal options as the flood zone risks change.
OnPoint Insurance Services specializes in flood insurance policies for residential and commercial properties in Fargo, North Dakota. The agency offers dedicated guidance on available coverage options tailored to local flood zone requirements. It assists clients with navigating the National Flood Insurance Program and private market alternatives. OnPoint helps property owners understand how seasonal spring thaws and heavy rainfall events can increase flood risks, providing timely advice on securing protection before these weather patterns create potential damage.
With heavy spring snowmelt and sudden summer storms causing frequent flooding risks across the Red River Valley, Fargo homeowners need reliable coverage. The Sarah Herlihy Agency - Nodak Insurance Company provides flood insurance policies that help protect residential property from water damage often excluded by standard homeowners plans. Their agents understand local flood maps and policy options, guiding clients through available federal and private coverage choices to match specific needs. The process typically begins with a thorough inspection and assessment of the property to determine appropriate coverage levels and potential premium discounts.
Homeowners, businesses, and property managers in Fargo, ND rely on FM Insurance for flood insurance agent services. The company assists clients in securing coverage for property damage and losses caused by flooding events in the region. It helps assess local flood zone risks and navigates policy options from the National Flood Insurance Program. Residents and commercial operators in nearby West Fargo and surrounding Cass County communities also benefit from its flood insurance guidance.
Dawson Insurance Agency helps property owners in Fargo, North Dakota, manage their insurance needs. The company specializes in flood insurance, addressing risks from spring thaws and heavy regional rainfall. Policies are designed to cover structures and their contents against water damage not included in standard homeowners plans. With the area's proximity to the Red River, protection against flooding is a practical necessity for many businesses. The agency can assist commercial operations seeking coverage for offices, warehouses, and food service facilities.
RJ Bailey Insurance Center in Fargo, ND is known for guiding homeowners through flood insurance policies required in many local flood zones. The agency explains federal program coverage, helping clients match deductibles and building limits to their property’s exposure. In this region, agents address rising water risks from rivers and heavy spring runoff. Policy options include contents protection for basements and garages. The agency also provides supplemental coverage for temporary living expenses if a flood displaces a household for repairs.
Yahnke Insurance Agency provides residential flood insurance services for homeowners in Fargo, North Dakota, helping them protect their properties against water damage. The agency also offers commercial coverage tailored to businesses facing similar flood risks. Serving the local Fargo area, the agency assists clients in navigating flood insurance requirements and policy options. Property owners can return to Yahnke for policy adjustments or follow-up questions between regular visits, ensuring their coverage remains appropriate for changing circumstances.
What Does a a Flood Insurance Agent in Fargo Cost?
Typical flood insurance costs in North Dakota range from 400 to 1,200 dollars per year for NFIP policies in moderate-to-low risk areas. High-risk properties near the Red River can cost 2,000 dollars or more annually. Private market policies may offer different rates and higher coverage limits. Costs depend on flood zone, building elevation, and deductible chosen. This is general information, not insurance advice.
About flood insurance agents in Fargo
Flood insurance agents in Fargo North Dakota help property owners protect against Red River Valley flood risks. North Dakota law requires flood insurance for properties in Special Flood Hazard Areas with federally backed mortgages. Agents guide clients through National Flood Insurance Program policies and private flood insurance options.
Frequently Asked Questions
Do I need flood insurance if I live outside a flood zone in Fargo?
Even outside mapped flood zones, heavy spring snowmelt and rain can cause flooding in the Red River Basin. An agent can help you assess your risk and find affordable coverage. Many policies start at a few hundred dollars per year for low-risk areas.
What is the waiting period for a new flood insurance policy in North Dakota?
Standard NFIP policies have a 30-day waiting period before coverage begins. Exceptions exist for loan closings or map changes. Plan ahead to avoid gaps in coverage during flood season.
How does North Dakota law affect flood insurance requirements for rental properties?
North Dakota landlords must disclose known flood risks to tenants. If a rental property is in a high-risk zone and has a federally backed mortgage, flood insurance is mandatory. An agent can explain coverage limits and deductibles.
Flood Insurance Agents in Other North Dakota Cities
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