Modesto has 219,215 residents in 72,989 households. We list 3 agencies for commercial property insurance in Modesto. Here is what the local numbers say about the cover people here need.

Modesto at a glance

3commercial property insurance agencies listed
41.1%of households rentRenters insurance
$442,700median home valueHome insurance
1978median year homes were builtRebuild cost calculator
6.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Stanislaus County

FEMA rates the overall natural hazard risk in Stanislaus County, where most Modesto agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Modesto

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Modesto agencies are

Modesto agencies we list sit in 3 ZIP codes, mostly in Stanislaus County.

953501 agency
953551 agency
953561 agency

Questions

Commercial Property insurance in Modesto

All insurance agencies in Modesto · Commercial Property insurance across California

Where can I find commercial property insurance in Modesto?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does commercial property insurance cover?

Covers your building, stock, equipment and fit-out.

Do I need flood insurance in Modesto?

FEMA's National Risk Index rates inland flooding risk in Stanislaus County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Commercial Property insurance near Modesto

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