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Find Flood Insurance Agents Near You in Fernandina Beach, FL
Directory of flood insurance agents in Fernandina Beach, Florida. Verify credentials with the state department of insurance before hiring.
9 agents listed
Updated May 2026
Fernandina Beach, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Florida before hiring.
Showing 9 flood insurance agents in Fernandina Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Brightway Insurance, The Coastal Agency
5472 1st Coast Hwy Suite 12, Fernandina Beach, FL 32034
(904) 712-6300
brightway.com
Brightway Insurance, The Tarzia Agency
960185 Gateway Blvd STE 107, Fernandina Beach, FL 32034
(904) 491-7622
brightway.com
Fernando Cevallos - State Farm Insurance Agent
474418 E State Rd 200, Fernandina Beach, FL 32034
(904) 261-2664
fernandinafern.com
8 Flags Insurance Agency
1411 S 14th St STE M, Fernandina Beach, FL 32034
(904) 310-6515
8flags.com
Estrella Insurance
474268 E State Rd 200, Fernandina Beach, FL 32034
(904) 432-8736
agents.estrellainsurance.com
Morrow Insurance Group, Inc.
1896 S 14th St STE 5, Fernandina Beach, FL 32034
(904) 261-0707
morrowig.com
Amelia Insurance
2384 Sadler Rd, Fernandina Beach, FL 32034
(904) 261-3606
ameliainsurance.com
Tatum Insurance Agency of Amelia Island
5317 S Fletcher Ave #3, Fernandina Beach, FL 32034
(904) 729-4575
tatumagency.com
Harper Insurance Agency Inc.
714 Beech St, Fernandina Beach, FL 32034
(904) 406-0887
harperinsuranceagencyinc.com
Flood insurance agents in Fernandina Beach help property owners protect against storm surge and heavy rain flooding. Florida law requires lenders to mandate flood coverage for homes in high risk zones. Local agents can explain the National Flood Insurance Program and private market options available in Nassau County.
What Does a Flood Insurance Agent in Fernandina Beach Cost?
Flood insurance costs in Florida vary by flood zone property value and elevation. Typical annual premiums for a standard NFIP policy in Fernandina Beach range from 700 to 2,500 dollars for moderate risk properties. High risk coastal homes may see premiums above 4,000 dollars. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance in Fernandina Beach Florida?
If your property is in a FEMA designated Special Flood Hazard Area and you have a federally backed mortgage you are required to carry flood insurance. Even outside these zones flood risk remains high due to coastal storms. An agent can review your flood zone designation.
What does a flood insurance agent do in Florida?
A flood insurance agent helps you compare NFIP policies and private flood insurance options. They calculate coverage limits based on your property value and flood risk. They also assist with filing claims and understanding the 30 day waiting period before coverage begins.
How long does it take to get flood insurance in Florida?
Standard NFIP policies have a 30 day waiting period from the date of application. Some private insurers offer shorter waiting periods. You cannot buy flood insurance during an active storm or flood event.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Florida.