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Directory of flood insurance agents in Spanaway, Washington. Verify credentials with the state department of insurance before hiring.
6 agents listed
Updated May 2026
Spanaway, WA
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 Washington before hiring.
Showing 6 flood insurance agents in Spanaway, WA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Alan Rencowski - State Farm Insurance Agent
16120 Pacific Ave S ste a, Spanaway, WA 98387
(253) 536-1000
go2alan.com
Tom Hollandsworth - State Farm Insurance Agent
22225 Mountain Hwy E E, Spanaway, WA 98387
(253) 875-8290
tomhollandsworth.com
Tom Bennett: Allstate Insurance
222 162nd St S Ste 2, Spanaway, WA 98387
(253) 537-5777
agents.allstate.com
Farmers Insurance - Eva Miller
17501 Pacific Ave S ste a, Spanaway, WA 98387
(253) 537-1184
agents.farmers.com
TiffCo Insurance Inc
18407 Pacific Ave S #1, Spanaway, WA 98387
(253) 582-5451
Farmers Insurance - Coni Crudup
18407 Pacific Ave S #6, Spanaway, WA 98387
(253) 344-1152
agents.farmers.com
Flood insurance agents in Spanaway, Washington help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Spanaway is near Spanaway Lake and other waterways, so flood risk is a concern for many homes. Washington state law requires lenders to mandate flood insurance for properties in high-risk flood zones designated by FEMA.
What Does a Flood Insurance Agent in Spanaway Cost?
Flood insurance costs in Washington vary by property location, elevation, and coverage amount. For an NFIP policy, annual premiums in Spanaway typically range from 700 to 2,500 dollars for a standard single-family home, but high-risk properties can cost more. Private market policies may offer different pricing and higher limits. 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 Spanaway Washington?
If your property is in a FEMA-designated Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, you are required to carry flood insurance. Even outside high-risk zones, flood damage is not covered by standard homeowners policies, so an agent can help you evaluate your risk.
What does a flood insurance agent do in Spanaway?
A flood insurance agent assesses your property's flood risk using FEMA flood maps, explains policy options from the NFIP and private carriers, and helps you choose appropriate coverage limits. They also assist with completing the Standard Flood Insurance Policy application and answering questions about deductibles and waiting periods.
How long does it take for flood insurance to start in Washington?
NFIP policies typically have a 30-day waiting period before coverage begins, unless the policy is purchased in connection with a new home loan. Private flood insurance policies may have different waiting periods. Your agent can explain the specific timing for your situation.
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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 Washington.