What is a 100 Year old Flood Zone?

  • A 100 year old flood zone means you have a 1 in 100 or a 1% chance per year of having a flood.  
  • A 500 year old flood zone means you have a 1 in 500 or .20% chance of having a flood.

Flood Insurance Idaho

Flood Insurance Pocatello Idaho, Flood Insurance Idaho Falls Idaho, Flood Insurance American Falls Idaho, Flood Insurance Blackfoot Idaho, Flood Insurance Inkom Idaho   

Disclosure and Key Word Catalog: Guzman insurance agents are licensed in the state of Idaho. We offer auto insurance, homeowners insurance, life insurance, flood insurance and business insurance. We represent the following insurance companies, although the list may very depending on our current company appointments. We offer Met Life Insurance, Met Life Flood Insurance Idaho, Safeco Insurance, Progressive Insurance, Travelers Insurance, The Hartford Insurance, Foremost Insurance Flood Insurance Idaho, United Heritage Insurance, Kemper Insurance, Unitrin Insurance, Dairy Land Insurance, Viking Insurance, Sublimity Insurance, Farmers Alliance Insurance, Ameritas Insurance, Pacific Life Insurance, The Idaho State Insurance Program, Insure Cat Flood Insurance Idaho, NCIP Flood Insurance Idaho, The National Flood Insurance Program Idaho, FEMA Flood Insurance Program Idaho, Flood Insurance through Certain Underwriters from Lloyd's of London Pocatello Idaho,  . If we don't have a solution that makes sense we can recommend other local offices that may have an option. We work with State Farm Insurance, Allstate Insurance, American Family Insurance, Farm Bureau Insurance, Farmers Insurance, Nationwide Insurance, Auto Owners Insurance, and Geico Insurance Agency. Local Servicing Zip Codes are 83201, 83202, 83204, 83221, 83209, 83401, 83402, 83404, 83245, 83203, 83211. This web page may not be completely up to date.

Do I really need Flood Insurance?

  • The associated 100 year flood plains are the areas that could be impacted if such a flood strikes. The way the math works out, this means that over a 30 year mortgage, there is a 26% chance you'll have a 100 year flood during that time period (1-(0.99)30). This is also why most people with home loans in flood areas are required to buy flood insurance.


How do I save the most on Flood Insurance?

  • Shop all the carriers
  • Remove or reduce coverages not needed.
  • Ask mortgage company if you can insure your home for the remaining loan amount vs replacement value.
  • Call Guzman Insurance Agency for Flood Insurance
    • 416 S 5th Ave
    • Pocatello, ID 83201
    •  208-904-1775