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Find Flood Insurance Agents Near You in Tumwater, WA

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

The top-rated flood insurance agent in Tumwater, Washington is Heritage Advises, rated 4.9 stars across 328 reviews. Other highly rated options include Char McLain - State Farm Insurance Agent, Eric Zabala - State Farm Insurance Agent, Alicia Sanders: Allstate Insurance. This directory lists 12 flood insurance agents serving Tumwater.

Showing 12 flood insurance agents in Tumwater, WAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Heritage Advises6140 Capitol Blvd SE Suite E(360) 705-4228
2Char McLain - State Farm Insurance Agent208 Lee St SW Suite 104(360) 754-7100
3Eric Zabala - State Farm Insurance Agent5729 Littlerock Rd SW Ste 115(360) 754-7878
4Alicia Sanders: Allstate Insurance5109 Capitol Blvd SE Ste E(360) 688-1685
5Farmers Insurance - Gregory Mohoric111 Tumwater Blvd SE B106(360) 753-4714
6Ben Kerby - State Farm Insurance Agent208 Lee St SW #104(360) 570-0255
7WHIA - Washington Health Insurance Agency7843 Old Hwy 99 SE Unit M-6(360) 464-1622
8Nelson-Strand Insurance Agency113 Lee St SE(360) 352-1510
9The Fama-Silver Agency LLC American Family Insurance1222 South 2nd Ave SW Ste D(360) 469-7005
10Lee Ingrim - State Farm Insurance Agent4780 Capitol Blvd SE #1(360) 754-7656
HA
6140 Capitol Blvd SE Suite E
Heritage Advises
Flood Insurance Agent · Tumwater, WA

Heritage Advises serves homeowners and businesses in Tumwater and surrounding Thurston County, Washington, as a flood insurance agent. The company helps clients understand their property’s flood risk and identifies appropriate coverage options under the National Flood Insurance Program. Guidance is offered on policy limits, deductibles, and waiting periods to ensure compliance with local floodplain requirements. Heritage Advises handles both residential building and contents coverage, as well as commercial flood policies for area property owners.

CM
208 Lee St SW Suite 104
Char McLain - State Farm Insurance Agent
Flood Insurance Agent · Tumwater, WA

Char McLain - State Farm Insurance Agent in Tumwater, WA, provides comprehensive flood insurance services designed to protect properties from water damage. The agency works with clients to evaluate their flood risk and select coverage that meets their needs, offering ongoing support for policy modifications and claims guidance. Its service approach ensures clients understand their policy details and coverage limits throughout the plan term. Char McLain serves a diverse range of properties, including single-family homes, apartments, retail locations, and restaurants.

EZ
5729 Littlerock Rd SW Ste 115
Eric Zabala - State Farm Insurance Agent
Flood Insurance Agent · Tumwater, WA

Servicing homeowners, businesses, and property managers needing flood protection, Eric Zabala - State Farm Insurance Agent in Tumwater helps assess property-specific risks and secure suitable policies. Understanding the local watershed patterns along the Deschutes River informs personalized coverage recommendations for clients. The agency also assists with claims filing guidance following a flood event, ensuring policyholders receive support throughout the process. Beyond Tumwater, this flood insurance agency covers nearby Lacey and the broader Thurston County metro area.

AS
5109 Capitol Blvd SE Ste E
Alicia Sanders: Allstate Insurance
Flood Insurance Agent · Tumwater, WA

Serving residents of Tumwater, Washington, and the surrounding South Puget Sound communities, this local flood insurance agency assists homeowners and renters with securing federally backed and private flood policies. As an Allstate Insurance agent, Alicia Sanders handles coverage needs for properties in designated flood zones as well as lower-risk areas. Work typically involves reviewing elevation certificates, explaining flood map changes, and comparing policy options. The agency generally approaches a typical job by assessing a client’s specific risk, then tailoring a policy recommendation to match the property’s location and coverage requirements.

FI
111 Tumwater Blvd SE B106
Farmers Insurance - Gregory Mohoric
Flood Insurance Agent · Tumwater, WA

For homeowners with existing policies adjusting coverage after losses occurs on a one-time basis, while businesses or new buyers seeking initial protection require ongoing consultation. Farmers Insurance - Gregory Mohoric in Tumwater, WA offers personalized advice for flood insurance policies, helping clients understand their specific risk levels and available coverage options. This includes guidance on federal versus private plans to ensure adequate protection for properties in flood-prone areas. Service runs on both a scheduled and an as-needed basis, accommodating annual policy reviews and emergency requests after water events.

BK
208 Lee St SW #104
Ben Kerby - State Farm Insurance Agent
Flood Insurance Agent · Tumwater, WA

As a flood insurance agent in Tumwater, WA, Ben Kerby - State Farm Insurance Agent provides specialized policies to protect homes and businesses from water damage caused by rising rivers, coastal surges, and heavy rainfall. General services include risk assessments, policy recommendations, and claims support tailored to local flood zones. This agent helps clients prepare for the heightened flood dangers that arrive with the Pacific Northwest’s seasonal storms and rapid snowmelt.

WW
7843 Old Hwy 99 SE Unit M-6
WHIA - Washington Health Insurance Agency
Flood Insurance Agent · Tumwater, WA

With winter rains and storms returning to Tumwater, property owners often review their need for flood coverage. WHIA - Washington Health Insurance Agency provides guidance on standard flood insurance options, helping clients understand their flood risk and available National Flood Insurance Program eligibility. The company explains policy details, including coverage limits and waiting periods, to match each property’s situation. An initial inspection of the property’s flood zone and elevation may be arranged to determine appropriate coverage levels before any policy is bound.

NS
113 Lee St SE
Nelson-Strand Insurance Agency
Flood Insurance Agent · Tumwater, WA

Nelson-Strand Insurance Agency, located in Tumwater, WA, provides insurance services, with a specialized focus on flood insurance coverage. The agency helps property owners understand risk and obtain appropriate policies to protect against water damage. Flood insurance agents assist clients in navigating federal requirements and selecting coverage levels. The agency’s expertise extends to serving local commercial sectors, including offices, warehouses, and food service operations.

FS
1222 South 2nd Ave SW Ste D
The Fama-Silver Agency LLC American Family Insurance
Flood Insurance Agent · Tumwater, WA

The Fama-Silver Agency LLC American Family Insurance in Tumwater, WA offers residential flood insurance protection for local homeowners. Commercial coverage is also available for businesses throughout the greater Thurston County area. These policies help property owners mitigate risks associated with rain and river flooding common in the Pacific Northwest. The agency handles claims and adjusts coverage as water damage patterns evolve. Clients can expect consistent follow-up for policy reviews, including routine service before and after each seasonal change.

LI
4780 Capitol Blvd SE #1
Lee Ingrim - State Farm Insurance Agent
Flood Insurance Agent · Tumwater, WA

Lee Ingrim - State Farm Insurance Agent in Tumwater, WA, is known for providing flood insurance policies that help protect homes and businesses from water damage. The agency serves the local Tumwater area, assessing property risks and customizing coverage for runoff, storm surge, or river flooding. Clients often work directly with the agent to review policy limits and deductibles. The office can add on optional coverage for basement contents or temporary living expenses during a flood-related displacement.

RS
207 Lee St SW
Richard Sampson Insurance
Flood Insurance Agent · Tumwater, WA
(360) 688-1407
richardsampsoninsurance.com
FI
5757 Capitol Blvd SE
Farmers Insurance - Terry Kelly
Flood Insurance Agent · Tumwater, WA
(360) 705-4349
agents.farmers.com/wa/tumwater/terry-kelly/#more_license

What Does a a Flood Insurance Agent in Tumwater Cost?

Flood insurance costs in Tumwater vary based on flood zone, property elevation, and coverage amount. For an NFIP policy, annual premiums typically range from 700 to 2,000 dollars for a standard home, though high-risk properties may pay more. Private insurers may offer lower rates or higher limits. This is general information, not insurance advice.

About flood insurance agents in Tumwater

Flood insurance agents in Tumwater, Washington help property owners secure coverage through the National Flood Insurance Program (NFIP) or private insurers. Tumwater sits near the Deschutes River and Budd Inlet, making flood risk a concern for many homes and businesses. Washington state law requires lenders to mandate flood insurance for properties in high-risk flood zones, so an agent can guide you on compliance and coverage options.

Frequently Asked Questions

Do I need flood insurance in Tumwater, Washington?

If your property is in a FEMA-designated Special Flood Hazard Area (SFHA) and you have a federally backed mortgage, your lender will require flood insurance. Even outside high-risk zones, flood damage is possible, and an agent can help you assess your risk.

What does a flood insurance agent do in Tumwater?

A flood insurance agent helps you understand your flood risk, compares NFIP and private policies, and assists with filing claims. They ensure your coverage meets Washington state requirements and lender mandates.

How does Washington state law affect flood insurance?

Washington follows NFIP rules, and state law requires insurers to offer flood coverage in high-risk areas. There is no state-specific time limit for filing claims, but NFIP policies typically require claims within 60 days of loss.

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.