The top-rated flood insurance agent in Lynnwood, Washington is Mosaic Insurance Alliance, Llc, rated 4.9 stars across 814 reviews. Other highly rated options include Villa Insurance Group, Vern Fonk Insurance, Sea-Mountain Insurance. This directory lists 17 flood insurance agents serving Lynnwood.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mosaic Insurance Alliance, Llc | 16108 Ash Way #201 | (425) 320-4280 |
| 2 | Villa Insurance Group | 20006 Cedar Valley Rd Ste. 202 | (425) 771-9000 |
| 3 | Vern Fonk Insurance | 3225 Alderwood Mall Blvd Suite D | (425) 434-4030 |
| 4 | Sea-Mountain Insurance | 19630 76th Ave W | (425) 775-1410 |
| 5 | Michelle Tullius: Allstate Insurance | 16418 7th Pl W Ste C | (425) 337-7151 |
| 6 | Lynnwood Ace Insurance & Retirement Services | 3301 184th St SW Ste 115 | (425) 678-6901 |
| 7 | Empire Insurance Brokers | 19401 40th Ave W #270 | (866) 774-1324 |
| 8 | Becky Schuler - State Farm Insurance Agent | 1132 164th St SW b | (425) 742-8700 |
| 9 | Hood Insurance Agency, Inc | 17925 Hwy 99 Ste 202 | (425) 689-5855 |
| 10 | Josh Culotti - State Farm Insurance Agent | 18904 Hwy 99 H | (425) 776-0133 |
Mosaic Insurance Alliance, Llc serves homeowners and businesses throughout Snohomish County from its Lynnwood, Washington office. The agency specializes in securing flood insurance policies tailored to properties located in designated flood zones and low-to-moderate risk areas. Flood coverage helps protect against water damage from rising rivers, coastal storm surges, and heavy rainfall common to the Pacific Northwest. Mosaic Insurance Alliance, Llc works with clients to understand federal flood insurance options and to navigate the process of obtaining coverage and filing related claims.
Villa Insurance Group provides flood insurance coverage and policy reviews for properties in Lynnwood, Washington. Its service offerings include initial risk assessments and assistance with claims documentation after a flood event. Maintenance of policies is handled through annual renewal reminders and updates to reflect changes in flood zone designations. The company serves single-family homes, apartments, retail locations, and restaurants throughout the local area.
Vern Fonk Insurance serves the Lynnwood, Washington metro area and provides flood insurance agent services to property owners in the region. The company helps clients assess the specific flood risks common to the Pacific Northwest and secure necessary coverage. It guides customers through applying for policies under the National Flood Insurance Program and can assist with reviewing existing flood insurance policies to ensure adequate protection. Vern Fonk Insurance handles flood insurance applications and policy adjustments for local homes and commercial buildings.
Sea-Mountain Insurance assists homeowners, businesses, and property managers in Lynnwood, Washington, with securing flood insurance policies that protect against water damage from storms and rising waters. The agency guides clients through coverage options to meet both mortgage requirements and personal risk needs. Policies typically cover structural repairs and replacement of personal belongings. Its service area also extends to neighboring Edmonds, ensuring property owners throughout the south Snohomish County metro have access to local flood protection expertise.
Serving Lynnwood and the surrounding Snohomish County communities, Michelle Tullius: Allstate Insurance handles residential and commercial flood insurance policies for local property owners. The agency addresses both standard flood zone requirements and optional coverage needs for those outside high-risk areas. Its typical approach involves reviewing a property’s specific flood history and elevation data before recommending an appropriate National Flood Insurance Program policy to ensure accurate, case-by-case protection.
Lynnwood Ace Insurance & Retirement Services distinguishes between the initial flood policy setup, which is a one-time event to establish baseline coverage, and ongoing annual policy reviews to adjust for changing flood maps and property improvements. Located in Lynnwood, WA, this agent provides the mandatory federal flood insurance endorsements for residential and commercial structures in designated hazard zones. These flood insurance services are available for both scheduled renewal periods and as-needed consultations following storm events or property boundary changes.
Empire Insurance Brokers specializes in flood insurance coverage for residential and commercial properties in Lynnwood, Washington. The agency works with homeowners and business owners to assess their property’s flood risk and secure appropriate policies. As a local flood insurance agent, it helps clients navigate the complexities of the National Flood Insurance Program and private market options. With the region’s heavy winter rains and potential for snowmelt flooding in spring, the company assists property owners in preparing for seasonal water damage and mitigating financial losses from rising waters.
As heavy winter rains raise the risk of flooding across the Pacific Northwest, Becky Schuler’s State Farm agency in Lynnwood helps local homeowners and renters understand their flood exposure. An agent works with clients to review policy options that cover rising water damage, which standard homeowners insurance typically excludes. Whether protecting against storm surge or swollen creek overflow, the team clarifies coverage limits and replacement cost details. To begin, a staff member will schedule an initial property inspection to assess drainage patterns and structural vulnerabilities before presenting a personalized quote.
Hood Insurance Agency, Inc in Lynnwood, WA provides residential and commercial flood insurance policies to property owners. Its agents help clients understand flood risks specific to the region and secure appropriate National Flood Insurance Program coverage. The company also offers additional riders to protect buildings and contents against rising water damage. The agency serves various commercial sectors, including small offices, retail spaces, warehouses, and food service establishments.
Josh Culotti - State Farm Insurance Agent in Lynnwood, WA provides residential flood insurance coverage for homes in the area, helping property owners protect against water damage from storms and rising waters. Commercial flood insurance policies are also available for local businesses seeking financial safeguards. Serving Lynnwood and surrounding communities, the agency ensures clients understand their flood risk and available policy options. After claims or seasonal reviews, the agent assists with policy adjustments and renewals to maintain continuous protection between regular visits.
What Does a a Flood Insurance Agent in Lynnwood Cost?
The cost of flood insurance in Washington depends on your property's flood zone elevation and building characteristics. For an NFIP policy in Lynnwood annual premiums typically range from 700 to 2,500 dollars for a standard home. Private market policies may cost more or less depending on risk. This is general information not insurance advice.
About flood insurance agents in Lynnwood
Flood insurance agents in Lynnwood Washington help property owners secure coverage through the National Flood Insurance Program or private insurers. Washington state law does not require flood insurance for most properties but mortgage lenders often mandate it for homes in high-risk zones. Lynnwood residents near the Swamp Creek or Puget Sound floodplains should consider an agent to review their specific flood risk and policy options.
Frequently Asked Questions
Do I need flood insurance if I live outside a flood zone in Lynnwood?
You are not required by law to have flood insurance outside a high-risk zone. However, about 25 percent of flood claims come from low-to-moderate risk areas. An agent can help you decide if a low-cost Preferred Risk Policy is right for you.
How does Washington state law affect flood insurance claims?
Washington insurance law requires insurers to handle claims in good faith. If your claim is denied or delayed unfairly you may have legal options. An agent can explain your policy terms and help you file a proper claim.
What is the waiting period for a new flood insurance policy in Lynnwood?
Most NFIP policies have a 30-day waiting period before coverage begins. This means you cannot buy a policy right before a storm. An agent can help you plan ahead to ensure you are covered before flood season.