ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Flood Insurance Agents Near You in Spokane, WA

Browse flood insurance agents serving Spokane, Washington. Updated 2026-07-14.

The top-rated flood insurance agent in Spokane, Washington is All Lines Insurance, rated 4.9 stars across 796 reviews. Other highly rated options include North Town Insurance, Western Insurance Associates, Affordable Insurance. This directory lists 19 flood insurance agents serving Spokane.

Showing 19 flood insurance agents in Spokane, WAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1All Lines Insurance6404 N Monroe St(509) 327-1658
2North Town Insurance5727 N Division St(509) 483-3030
3Western Insurance Associates608 N Maple St(509) 279-0999
4Affordable Insurance1514 W Northwest Blvd(509) 279-2100
5Finders Insurance2103 N Division St STE C(509) 466-9611
6Legacy Insurance LLC7307 N Division St # 303(509) 960-2550
7KBG Insurance & Financial601 W 1st Ave Suite 1400(509) 242-3244
8Dan Hoffman Insurance Agency6105 N Astor St(509) 482-2994
9Jorgensen Insurance Agency816 W Francis Ave PMB#551(509) 563-4413
10Lilac Insurance Group, LLC5522 N Wall St(509) 747-2531
AL
6404 N Monroe St
All Lines Insurance
Flood Insurance Agent · Spokane, WA

All Lines Insurance provides comprehensive flood insurance services throughout the Spokane, Washington area. It offers coverage options designed to protect properties against water damage from rising rivers, heavy rains, and snowmelt common to the inland Northwest. The agency guides clients through selecting appropriate policies that meet local flood zone requirements. It assists with plan adjustments as community flood maps change. Maintenance reviews are available to ensure coverage remains adequate over time. The company serves single-family homes, apartment complexes, retail storefronts, and local restaurants.

NT
5727 N Division St
North Town Insurance
Flood Insurance Agent · Spokane, WA

North Town Insurance serves the Spokane, Washington metro area as a local flood insurance agent. The firm helps property owners in flood-prone zones secure necessary coverage from the National Flood Insurance Program. Its agents evaluate individual property risks and explain policy terms directly to clients. This guidance allows homeowners and businesses to obtain appropriate protection against water damage from seasonal storms or overflowing waterways. Services include policy enrollment and risk assessment consultations for residential and commercial properties.

WI
608 N Maple St
Western Insurance Associates
Flood Insurance Agent · Spokane, WA

Western Insurance Associates serves homeowners, businesses, and property managers in Spokane seeking flood insurance coverage to protect against water damage from heavy rains and snowmelt. It assists clients in understanding federal flood zone requirements and policy options for both residential and commercial structures. The agency supports customers through the application process, helping to identify appropriate coverage limits for buildings and their contents. Its service area includes nearby areas such as Cheney as well.

AI
1514 W Northwest Blvd
Affordable Insurance
Flood Insurance Agent · Spokane, WA

Affordable Insurance serves Spokane and the surrounding communities in eastern Washington, handling flood insurance policies for residential and commercial properties. It works within federal and local regulations to assess flood risk and match clients with appropriate coverage options. For a typical job, the agent begins by evaluating the property’s flood zone designation, then explains available policy limits and deductibles to ensure the client understands their protection.

FI
2103 N Division St STE C
Finders Insurance
Flood Insurance Agent · Spokane, WA

Finders Insurance helps homeowners, businesses, and property managers in Spokane, Washington, secure flood insurance coverage. The agency guides clients through the complexities of flood zone designations and policy options. Property owners benefit from clear explanations of coverage limits and deductibles. The firm also assists with the flood insurance application process and policy adjustments. In addition to serving the Spokane area, Finders Insurance offers its services to residents and commercial properties in nearby Coeur d’Alene, Idaho.

LI
7307 N Division St # 303
Legacy Insurance LLC
Flood Insurance Agent · Spokane, WA

Legacy Insurance LLC in Spokane, WA distinguishes between one-time policy support and recurring coverage updates for clients. As a flood insurance agent, the company assists property owners in securing policies that protect against water damage from rising rivers, heavy rains, and snowmelt common to the inland Northwest. The office explains coverage options that include structural and contents protection, ensuring clients understand their policy limits and deductibles. Service runs on a one-time, scheduled, or as-needed basis depending on individual renewal cycles and claims support.

KI
601 W 1st Ave Suite 1400
KBG Insurance & Financial
Flood Insurance Agent · Spokane, WA

KBG Insurance & Financial specializes in providing flood insurance policies for residential and commercial properties in Spokane, Washington. The agency assists clients in understanding coverage options that protect against rising water damage. Using general knowledge of local flood zones, it helps property owners navigate federal program requirements and private insurance alternatives. During spring snowmelt and the autumn rainy season, it ensures that families and businesses at higher risk of water intrusion have adequate policies in place before flood hazards become severe.

DH
6105 N Astor St
Dan Hoffman Insurance Agency
Flood Insurance Agent · Spokane, WA

Spokane’s spring runoff and sudden thunderstorms often create unexpected flood risks for local homeowners. Dan Hoffman Insurance Agency serves as a flood insurance agent in Spokane, WA, helping residents understand National Flood Insurance Program options tailored to their property’s exposure. The agency reviews policy details so clients can make informed decisions about coverage for structures and belongings against rising water. A full property walk-through or virtual assessment is the first step to evaluate specific flood zone concerns and insurance needs.

JI
816 W Francis Ave PMB#551
Jorgensen Insurance Agency
Flood Insurance Agent · Spokane, WA

Jorgensen Insurance Agency in Spokane, Washington, assists property owners with general risk management and specializes in providing flood insurance coverage. Flood insurance policies protect against water damage from rising rivers, heavy rainfall, and snowmelt, which are common concerns in this region. Policies help cover structural repairs, foundation damage, and interior restoration. The agency serves commercial sectors including offices, warehouses, and food service operations, offering guidance on appropriate coverage levels for each business type.

LI
5522 N Wall St
Lilac Insurance Group, LLC
Flood Insurance Agent · Spokane, WA
KI
3151 E 29th Ave Suite 202
Kraft Insurance
Flood Insurance Agent · Spokane, WA
(509) 343-5555
kraftinsured.com
AI
59 E Queen Ave #112
Alpine Insurance Inc
Flood Insurance Agent · Spokane, WA
(509) 325-7350
alpineinsuranceinc.com
MM
501 N Riverpoint Blvd STE 403
Marsh McLennan Agency
Flood Insurance Agent · Spokane, WA
(509) 838-3501
mmanorthwest.com/location/washington/spokane
BI
103 E Sprague Ave Ste 102
Boyd Insurance Brokerage Inc
Flood Insurance Agent · Spokane, WA
(509) 340-2693
spokaneinsurance.net
SM
46 E Wellesley Ave
Save More Insurance
Flood Insurance Agent · Spokane, WA
(509) 489-2550
esurme.com
AI
12510 E Sprague Ave Suite 6
ABC Insurance
Flood Insurance Agent · Spokane, WA
(509) 891-1515
abcinsurancespokane.com
SI
310 S Cedar St
Shea Insurance Agency
Flood Insurance Agent · Spokane, WA
(509) 838-2759
sheains.com
IG
1204 E Sprague Ave
The Insurance Guys
Flood Insurance Agent · Spokane, WA
(509) 532-0388
theinsuranceguyslive.com
AB
10103 N Division St #102
Anthony, Baker & Burns
Flood Insurance Agent · Spokane, WA
(509) 468-9991
anthonybakerandburns.com

What Does a 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.

About flood insurance agents in Spokane

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.

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.

Flood Insurance Agents in Other Washington 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.