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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.

  • 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
  • Harold has been extremely knowledgeable and efficient in all that our company has had him handle for us. We are now covered at a great rate, and have a knowledgeable staff behind us if we ever have... read more

    Ashley T. Avatar
    Ashley T.
    1/07/2016
  • Harold is an incredible service provider and the best at what he does. Having worked with him as my family has continued to grow and change he has always made sure that the right pieces are in... read more

    Matthew K. Weiner Avatar
    Matthew K. Weiner
    VMware
    4/01/2008
  • I've coordinated my auto and renter's insurance with Harold and McClatchy Insurance since January 2015. Harold and his staff personally took the time to sit down with me, assess my risk tolerance, and make strong personalized recommendations... read more

    Trevor D. Avatar
    Trevor D.
    Corporate Development Manager at Sacramento Kings
    2/23/2018
  • 5 star ratingFor the finest, fastest, most efficient service from knowledgeable people you MUST see Harold Newbill and his professional associates. Insurance sales and service at its finest.

    Roy W. Avatar
    Roy W.
    8/24/2015
  • I have worked with Harold for the past several years, I have worked on several different projects with his staff and I find all them to be professional and informative. They have always put the client’s needs... read more

    Troy B. Avatar
    Troy B.
    2/19/2015
  • I have been a happy client with the McClatchy family for a long time. I love the great customer service they offer my Business. I appreciate the McClatchy family for what they do.

    Fonzie Idris Avatar
    Fonzie Idris
    Univera
    12/24/2017
  • I have known Harold all of his life. I have had my insurance with McClatchy for over 30 years. I am thrilled he has bought the business from his father and will bring his innovative ideas to... read more

    Lilllian Fulton Avatar
    Lilllian Fulton
    Realtor
    3/20/2012
  • 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
  • 5 star ratingDick and his staff have always been available and very aggressive in getting me the best coverage and price for my home and autos. I especially appreciate that a real person always answers the phone and directs... read more

    Bryan B. Avatar
    Bryan B.
    11/12/2018

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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