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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.

  • Harold is a person with whom you want to conduct business. He’s knowledgeable, pleasant, and works hard. I’ve known Harold for years through our membership and active participation in the Independent Insurance Agents & Brokers of California... read more

    Rich Hallock Avatar
    Rich Hallock
    The Greenspan Co.
    6/15/2015
  • 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
  • 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
  • 5 star ratingHarold at McClatchy is the most passionate, knowledgable and friendly agent I've ever had the great privilege of meeting. He is incredibly informative and gives every indication that he's 100% trustworthy. If I were to pick someone... read more

    Raft R. Avatar
    Raft R.
    10/04/2018
  • 5 star ratingI have worked with Barri, Dick and Harold in the past and have received outstanding service and advice every single time. If you need help with insuring your personal or business property please contact McClatchy Insurance Agency... read more

    Alex G. Avatar
    Alex G.
    9/25/2018
  • I have worked very closely with Harold for the past couple years. I am very impressed with his level of expertise and have every confidence that clients will be well served.

    John Signorotti Avatar
    John Signorotti
    Signator Investors, Inc.
    3/21/2016
  • 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
  • 5 star ratingHarold and his team at Mclatchy Insurance fantastic! Extreme knowledgeable and always willing to go the extra effort to not only save you money but make sure you are covered which is why your buying insurance in... read more

    Tony V. Avatar
    Tony V.
    9/04/2018
  • 5 star ratingTop notch service! Friendly and knowledgeable staff.

    allan n. Avatar
    allan n.
    1/15/2019
  • 5 star ratingHarold Newbill and his staff are knowledgeable about the products they offer and the companies they represent, and they provide outstanding customer service. Highly recommend.

    Alan B. Avatar
    Alan B.
    10/10/2014

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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