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Flood Insurance

Flood Insurance Icon | McClatchy Insurance Agency Sacramento

We specialize in flood insurance needs for the Sacramento area to help protect you and your family.

 

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.

Standard homeowners insurance doesn’t cover any damage caused by rising waters that cover more than two parcels of land. If your home is filled with water as a result of rising bodies of lakes, rivers, streams, and oceans or even flooded streets you need flood insurance to return you to where you were before the flood.

Even one inch of water in your home, condominium or apartment can cause more than 10,000 in damage. A flood policy can help you get the water out, replace and repair damaged property and even cover the removal of debris that remain on your property after the rising waters have subsided. We have access to both the National Flood Insurance Program (NFIP) as well as companies that will provide policies that can ensure you are protected where the NFIP cannot offer that same coverage.

Please contact us so we can provide you a value focused proposal to protect you, your family and your possessions and provide you peace of mind that comes with an insurance agent you know and a policy you can count on.

  • 5 star ratingI know a good agent, because I've had bad ones. Harold Newbill (the owner) is excellent. And because Harold is excellent, the agency is excellent. Harold is smart, helpful and a great listener. He gets back with... read more

    Richard K. Avatar
    Richard K.
    10/03/2018
  • 5 star ratingAfter years of being dissatisfied with insurance brokers for one reason or another I found Dick Lemon at McClatchy Insurance. His attention to detail and honest straight forward attitude has been a breath of fresh air into... read more

    Paul T. Avatar
    Paul T.
    10/19/2018
  • 5 star ratingHarold Newbill and the staff at McClatchy Insurance are the best! You won't be disappointed.

    John S. Avatar
    John S.
    9/20/2018
  • 5 star ratingBari did a great job getting me the best quote possible for my auto insurance. I was vey happy with that, and Dick got me a great quote and coverage for my general and professional liability... read more

    Age Advantage S. Avatar
    Age Advantage S.
    1/21/2019
  • 5 star ratingHarold and his staff helped me get a better policy more coverage at a better rate for a commercial building. For fast efficient service Harold is the guy. Thank you.

    Chris L. Avatar
    Chris L.
    10/10/2014
  • I am extremely delighted and grateful to have Harold as my Insurance Agent. “While you hope never to have to use your insurance, it sure is nice to have it when necessary.” This is how I felt... read more

    Julie Willsie Avatar
    Julie Willsie
    RR Donnelley
    12/30/2010
  • Being a business owner, I know value when I see it! The complete package is what you will get with Harold at McClatchy Insurance. He is always professional, timely and by far, the best insurance agent in... read more

    Steve Morrow Avatar
    Steve Morrow
    Capitol Collision Center Inc.
    3/21/2012
  • Dick has been the most effective insurance agent we’ve used thus far. In our line of business it is often when we’ve imposed on him timelines that are nearly impossible. Not sure how he does it every... read more

    Tiffiny Ruegner Avatar
    Tiffiny Ruegner
    Our Country Deserves Better PAC
    2/16/2017
  • Great customer service!!! McClatchy Insurance Agency saved me about 400.00 the first year I switched to them. The team of people here really know what they are doing. We increased my coverage with less money. I was... read more

    Tony V. Avatar
    Tony V.
    2/07/2017
  • 5 star ratingI have been using McClatchy Insurance for all my insurance needs for approximately five years now. They are consistently responsive and informative, and sell high-quality policies.

    When I was thinking about changing insurers due to a price increase,...
    read more

    Alan B. Avatar
    Alan B.
    10/18/2018

Frequently Asked Questions

Do I need flood insurance or earthquake insurance?

You should consider buying flood or earthquake insurance if you live in an area prone for the occurrence of these types of disasters. Federal disaster assistance is in form of loans or grants are only available if the damage is widespread and very serious, and declared a disaster area by the Federal Emergency Management Agency (FEMA).

How does zoning effect my flood and earthquake insurance premium?

You should be aware if your property is zoned for flood or earthquake. It will affect the insurance premiums of your flood and earthquake insurance.

Is flood and earthquake covered under homeowners’ insurance?

Flood and earthquake is not covered under your homeowners’ insurance. You should consider buying flood or earthquake insurance if you live in an area prone for the occurrence of these types of disasters.

McClatchy Insurance Agency Sacramento

Arizona License No. 1016711, California License No. 0724020, Colorado License No. 259694
Nevada License No. 16801, Oregon License No. 100164127, Washington License No. 873219

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