Flood Insurance in Victorville, CA

Safeguarding Residents and Business Owners in the Victor Valley Region from Flood Damage

When it rains, it pours - especially in the Victor Valley. Desert flash flooding and conditions that result in flooding are ever-changing and often unexpected. Even if your home or business property hasn’t been touched by flood damage in the past, it doesn’t mean the risk isn’t within reach.


At Dan Smith Insurance Agency Inc., we counter potential flood disasters with a proactive punch. Working in stride with the National Flood Insurance Program (NFIP), which is administered through the Federal Emergency Management Agency (FEMA), we have the opportunity to secure affordable insurance protection for property owners in Victorville and surrounding communities. Through this program, we can identify locations of high flood risk, and tailor policies based on these report from FEMA. In all, the procedure we enact mitigates risk, while staying within budget constraints.

An Umbrella of Flood Insurance Coverage

The effects of flooding can be felt anywhere; however, certain areas may be deemed more exposed to damaging scenarios. As local agents, we’re skilled at determining your level of risk. It’s a common misconception among home and business property owners that areas of low to moderate risk don’t need encompassing flood insurance coverage. The fact remains, anyone can be financially vulnerable to flooding. Whether you’re in a high-risk flood zone requiring coverage through a federal mandate or own a desire to voluntarily invest in flood insurance, agents will partner with you to map a plan.


For clients local to our agency, there is no minimum requirement for flood insurance coverage. We can insure dwellings for a maximum of $250,000 and personal assets through $100,000 with the NFIP. The NFIP was originally developed by FEMA to counter the rising cost of taxpayer funded flood relief. Since its development, three main components of the NFIP have emerged: flood insurance, floodplain management, and flood hazard mapping. 


We often discover clients prefer acquiring flood insurance from the same agent that houses their homeowners or business insurance policy. Our agents are available to discuss a wide-range of coverages, and have the expertise to pair flood insurance with the variety of selections available.


We’re committed to designing a policy based on your requirements and budget restraints. To learn more about the options obtainable through our flood insurance program, contact our agency at your convenience.

Agents Experienced in Preparing for Disaster

Each flood insurance policy we write is designed to protect fellow community members from the financial burdens associated with natural disasters. As residents of the Victor Valley region ourselves, we acknowledge the needs of our neighbors and fellow business owners. 


Every step of our procedure is rooted in one-on-one communication between agents and clients. Whether filing a claim or reviewing a policy, we’ll be present to guide you through the process. Agents are always accessible to answer questions and continuously educate you on the most fitting flood coverage.


If you’re ready to put up an umbrella of flood insurance protection, feel free to request a quote.

Additional Resources:

At Dan Smith Insurance Agency, Inc., we’re proud to provide flood insurance coverage in Victorville, Apple Valley, Hesperia, Lucerne Valley, Oak Hills, and Phelan, CA. We’re licensed to serve California, Arizona, Colorado, Idaho, Utah, and Texas. 

Office Location

14950 Circle Dr.

P.O. Box 1457 Victorville, CA 92395

Main office: 760-297-5212
Fax: 760-241-3567

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 3:00 PM
Sat: Closed
Sun: Closed

Mailing Address

PO Box 1457

Victorville, CA 92393

Main office:

Office Hours:

Mon: Closed
Tues: Closed
Wed: Closed
Thurs: Closed
Fri: Closed
Sat: Closed
Sun: Closed

Our Providers


We have had Dan Smith Insurance for years and we highly recommend them to everyone!
Chery Shumate
It is a great service to be able to pick up the phone & add or delete insurance items
Pam Hill
I have been very pleased with our relationship. Very good service.
Clifton Houzlow
As a long time customer I've never had to worry if I'm getting the best coverage. Thanks for the great service!
Denise Collins
I have been insured with you for many years. I am very happy with the people I have had to talk to and when I needed you, the services provided.
Lori Miller
I got into my first accident in 20 years and had no idea what to do next. I called my agent and she helped me through the whole process. I felt like she was really in my corner helping to get my car repaired as quickly as possible. I would highly recommend their agency to anyone.
Richard Catt
Your service has always been great. Your staff is very helpful! Thanks
John & Karen K.
I love my agent! She knows my policy up and down and is always available when I need to speak to her.
Deanna M.
agents always very helpful
Lois Roseberry
I never have to worry about missing a payment. Their billing department gives me a call with a friendly reminder. They are just great.
Colette V.
Even though I live in Idaho, Dan Smith Insurance and their companies are always available by phone or email. They take care of my home, auto and motorcycle no matter the time of day.
Breanne Shaw
I am so glad my agent keeps my policy updated. She added full coverage glass, so when I had a large crack in my windshield it was replaced without a deductible. Thanks Dan Smith Insurance!
Jamie Carrillo