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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 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
  • 5 star ratingI produce aerial and acrobatic circus entertainment for corporate events. Please take a moment to imagine the complexities of such a strange niche business, and then consider how esoteric the insurance needs are. Is your head spinning... read more

    Scott C. Avatar
    Scott C.
    10/11/2018
  • 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
  • If your insurance agent is just doing the bare minimum, you might think about calling Harold to review your current situation. He’s honest and he’s a man you can trust.

    Lisa Ollar Avatar
    Lisa Ollar
    MOA Deposition Reporters
    8/07/2016
  • 5 star ratingI just wanted to take a minute and let everyone know how awesome Harold and his group are at McClatchy Insurance in taking care of our business insurance needs. They take care of our general liability,... read more

    Chris M. Avatar
    Chris M.
    3/04/2019
  • I have known Harold Newbill for about 22 years and had nothing but first class experiences with him as a professional insurance agent. I would recommend working with him and McClatchy Insurance Agency for any of your... read more

    Christina Snyder Avatar
    Christina Snyder
    6/03/2018
  • 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
  • I really like Harold. He’s a good insurance broker and a good person, I currently have more than 10 policies with his company and would recommend him to any person needing insurance services.

    Daniel Ramsey Avatar
    Daniel Ramsey
    MyOutDesk.com
    3/03/2011
  • 5 star ratingI have been working with the McClatchy Insurance Agency, specifically with Dick Lemon for about 4 1/2 years and Elisabeth Nidoy for about 1 1/2 years through work. These two people are not only extremely friendly,... read more

    Nan B. Avatar
    Nan B.
    11/09/2018
  • Harold and his organization are some of the most professional, well-trained insurance people in the industry. You couldn’t ask for a better business and personal relationship than the one Harold and his people will provide!

    Mike Young Avatar
    Mike Young
    Mycomm Inc.
    3/15/2015

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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