June 14, 2024

Flood Insurance

Why buy flood Insurance? Home insurance does not normally cover  flood damage.

A flood can be a financially and emotionally devastating catastrophic event.  Without flood insurance, Most residents have to take out loans or pay out of pocket  to repair and replace damaged items without flood insurance.  With flood insurance you can recover faster and more fully.

Flood insurance can pay regardless of whether or not there is a Presidential Disaster Declaration.

Flood disaster assistance comes in two forms:  a FEMA disaster grant, which normally is about $5,000 per household or a U.S. Small Business Administration loan –  these must be paid back with interest. The average flood insurance claim is approximately $30,000 and does not have to be repaid.

Buy a Flood Insurance policy from Barragan Insurance Agency. We have the best rates on low cost, affordable, cheap Flood Insurance for California including the Sacramento area, Chico, Redding, Folsom Ranch, Russell Ranch, San Francisco, Oakland, Folsom, Rancho Cordova, San Jose, Long Beach, Fresno, Los Angeles, Santa Ana, Anaheim, and San Diego, California regions. Providing our Clients with low cost, affordable, cheap flood Insurance.



Buy a Flood Insurance policy from Barragan Insurance Agency. It doesn’t normally rain much in California, but when it does… it pours. Barragan Insurance Agency is here to help you get your flood insurance policy. The recent wild fires in California have dramatically increased the danger of erosion and subsequent flooding.

Basic Property Insurance DOES NOT cover flood damage.  Preferred Risk Flood Insurance Policies provide the best flood protection for the lowest cost on flood insurance coverage (as little as $348 per year) providing $250,000 of building and $100,000 of contents coverage if they are in a preferred risk zone. Only homes that are located in a  low-to-moderate-risk flood zones qualify for these low rates.  These low-cost flood insurance policies are guaranteed by the Federal Emergency Management Agency / FEMA  and   the National Flood Insurance Program / N.F.I.P.

“Does my property need flood insurance?”… Your area may have been recently rezoned making it mandatory for residents to buy flood insurance protection due to inadequate protection by the levees causing numerous hazards.

Flooding homes and businesses will become reality with aging storm drains and no money in the coffers to fix them. Parts of California will be affected even before next year’s rainy season. There are residents out there who have experienced downpours, flooding, and mudslides wondering why they didn’t have more insurance to fix their mess. Barragan Insurance Agency offers flood protection against these flooding calamities. Unless it is required by a mortgage company,  there is a 30-Day waiting period before flood coverage is in effect. Don’t wait until it is too late and a flood is imminent.

Because of revisions in the flood zone map re-classifications flood insurance costs will significantly increase after December 8th, 2008. Property owners who have a federally insured or regulated loan on a home or building must purchase flood insurance before December 8th or their lender may force-place the policy at a significantly higher cost.

Property owners can obtain reduced rates by purchasing flood insurance before the requirement takes effect. FEMA is rezoning finalizes the new flood maps on December 8, 2008 .  Flood Insurance rates will soon be 4 times or more what they are today.  You can avoid the price increases by purchasing a Preferred Risk Policy and get a Grandfather Flood Policy.  Don’t wait – flood insurance policies take 30 days to take effect. Flood insurance protects your home or business from flood disaster losses. Get a Preferred Risk Flood Insurance Policy now.

Most people want to know how much flood insurance is going to cost them. Flood insurance varies depending on your location and flood zone.  We can let you know what flood insurance will cost you with answering just a few short questions.



or Call (916) 984-9320 for flood insurance

Flooding is the most common natural disaster. Flood insurance protects your home or business when you need it most because of a flood damages even if federal disaster aid is unavailable. How to file a Flood Claim.



or Call (916) 984-9320 for flood insurance .


Having flood insurance gives you many benefits, Not only is coverage there when you need it, but it also:

Flood Insurance Compensates for all covered flood losses  (read about flood compensation)

Flood Insurance Compensates for flood damages even if federal disaster aid is unavailable.

Flood Insurance pays for your covered flood losses, unlike interest-bearing loans from federal disaster assistance
Flood Insurance comes in low-cost flood insurance policies for those who qualify
Flood Insurance guarantees compensation for flood damages because the Federal Government (FEMA) backs NFIP (National Flood Insurance Program)

Flood Insurance helps you move on if your property is damaged by flood. Your flood insurance agent at Barragan Insurance Agency is there to help you handle your flood claim (note: most claims are paid within 30 to 60 days)
If you should have any questions regarding Flood Insurance, or we can assist you with a quote.

Should you have any questions, please phone us at 916-984-9320.  You may also send us an mail to: Info@barraganinsurance.com


Report a Claim

Your Wright Flood insurance agent can open a claim for you. Reach them at the phone number shown on your policy.



Claims Handbook




To reach Wright Flood claims processing to open a claim by phone


Toll Free Phone 1.800.725.9472

Fax             1.877.270.4329

Wright Flood Claims Address :

P.O. Box 33064,

St Pete, FL 33733


Barragan Insurance Agency

1132 Suncast Lane Ste 8

El Dorado Hills, 95762

Phone: 916-984-9320

Fax: 916-984-8013



Flood insurance center for Sacramento and the Northern California region including Folsom, Elk Grove, Rancho Cordova, Carmichael, Antelope, Kavala Ranch, North Highlands, Folsom Ranch, Russell Ranch,  Gold River, Fair Oaks, Woodland, Natomas, Sacramento, Anatolia, Rocklin, Roseville, Lincoln, Loomis, Granite Bay, Galt, Davis, West Sacramento, Citrus Heights, Orangevale, El Dorado Hills, Stockton, Modesto, Los Angeles, San Diego, San Francisco, Long Beach, Fresno, Oakland, Santa Ana, Anaheim, Lodi, Merced, Tracy, Antioch, Dixon, Sacramento area, Bay Area, Woodland, Fairfield, Vacaville, Vallejo, Marysville, Yuba City, Linda, Plumas Lake, Chico, Sutter, Bakersfield, San Jose, Campbell, Placer County, Sacramento County, El Dorado County, Yolo County, San Joaquin County, Sutter County, Northern California, Central California, and Placer County, and other cities and counties within California.