American River Insurance Agency LLC
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Flood Insurance

It doesn't matter if you live in a flood plain, every property owner is susceptible to flood damage and your current insurance probably doesn't cover it. Let us give you a quote today!

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What is Flood Insurance?

Flood insurance is the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding.

More About Flood Insurance

Nationwide, only 20% of American homes at risk for floods are actually covered by flood insurance. Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood. 

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows

This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover floods as a result of earthquakes.

Contact us to learn more about the right amount of flood coverage for your home.
(888) 570-1058
333 University Ave
Suite 200
Sacramento, CA 95825​​
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Flood Insurance Quotes
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California Licensed # 6003600  |  Oregon Licensed # 3001117035  |  Washington Licensed # 1083606  Arizona Licensed # 3001419877  |  Texas Licensed # 2812176

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Phone: (888) 570-1058
Fax: (916) 290-7210
Email: 
[email protected]

Agency Mailing Address
333 University Ave
Suite 200
Sacramento CA, 95610​
​
Agency Hours:
Monday – Friday: 9:00am to 5:00pm
Saturday & Sunday: Closed​

​Sacramento, CA Office

333 University Ave
Suite 200
Sacramento, CA 95825

Tacoma, WA Office

1201 Pacific Avenue
Suite 600
Tacoma WA, 98402
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