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Directory of flood insurance agents in Spokane, Washington. Verify credentials with the state department of insurance before hiring.
19 agents listed
Updated May 2026
Spokane, 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 19 flood insurance agents in Spokane, 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.
North Town Insurance
5727 N Division St, Spokane, WA 99208
(509) 483-3030
northtowninsurance.com
All Lines Insurance
6404 N Monroe St, Spokane, WA 99208
(509) 327-1658
alllinesinsure.com
Western Insurance Associates
608 N Maple St, Spokane, WA 99201
(509) 279-0999
westerninsurance.com
Finders Insurance
2103 N Division St STE C, Spokane, WA 99207
(509) 466-9611
findersins.com
Affordable Insurance
1514 W Northwest Blvd, Spokane, WA 99205
(509) 279-2100
affordableinsuranceplease.com
Legacy Insurance LLC
7307 N Division St # 303, Spokane, WA 99208
(509) 960-2550
legacyinsurance.net
KBG Insurance & Financial
601 W 1st Ave Suite 1400, Spokane, WA 99201
(509) 242-3244
kbgagency.com
Dan Hoffman Insurance Agency
6105 N Astor St, Spokane, WA 99208
(509) 482-2994
hoffmanins.net
Jorgensen Insurance Agency
816 W Francis Ave PMB#551, Spokane, WA 99205
(509) 563-4413
jorgensenins.com
Kraft Insurance
3151 E 29th Ave Suite 202, Spokane, WA 99223
(509) 343-5555
kraftinsured.com
Lilac Insurance Group, LLC
5522 N Wall St, Spokane, WA 99205
(509) 747-2531
lilacinsure.com
Boyd Insurance Brokerage Inc
103 E Sprague Ave Ste 102, Spokane, WA 99202
(509) 340-2693
spokaneinsurance.net
Save More Insurance
46 E Wellesley Ave, Spokane, WA 99207
(509) 489-2550
esurme.com
Marsh McLennan Agency
501 N Riverpoint Blvd STE 403, Spokane, WA 99202
(509) 838-3501
mmanorthwest.com
Alpine Insurance Inc
59 E Queen Ave #112, Spokane, WA 99207
(509) 325-7350
alpineinsuranceinc.com
ABC Insurance
12510 E Sprague Ave Suite 6, Spokane, WA 99216
(509) 891-1515
abcinsurancespokane.com
The Insurance Guys
1204 E Sprague Ave, Spokane, WA 99202
(509) 532-0388
theinsuranceguyslive.com
Shea Insurance Agency
310 S Cedar St, Spokane, WA 99201
(509) 838-2759
sheains.com
Anthony, Baker & Burns
10103 N Division St #102, Spokane, WA 99218
(509) 468-9991
anthonybakerandburns.com
Flood insurance agents in Spokane help property owners understand their risk and secure coverage through the National Flood Insurance Program or private carriers. Washington state law requires flood insurance for properties in high-risk flood zones with a federally backed mortgage. Spokane County participates in the NFIP Community Rating System which can lower premiums for residents.
What Does a Flood Insurance Agent in Spokane Cost?
Typical flood insurance costs in Washington range from 600 to 2,500 dollars per year for an NFIP policy depending on flood zone, building value, and elevation. Preferred risk policies in low risk areas may cost under 500 dollars annually. Private market policies can be higher or lower based on risk assessment. This is general information 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 if I live outside a high-risk zone in Spokane?
Even properties outside high-risk zones can flood. Many lenders do not require it but agents can help you buy a low-cost preferred risk policy. Over 20 percent of NFIP claims come from low to moderate risk areas.
How does Washington state law affect flood insurance requirements?
Washington does not have a state law requiring flood insurance. However federal law requires it for properties in Special Flood Hazard Areas with a federally backed mortgage. Agents in Spokane can explain local flood maps and elevation certificates.
What is the waiting period for a new flood insurance policy in Spokane?
Standard NFIP policies have a 30 day waiting period before coverage begins. Exceptions exist for loans closing on a property purchase. Private flood policies may have different waiting periods so ask your agent.
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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.