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Compare flood insurance agents in Miami Beach. Review contact information and insurance categorys before you decide.
5 agents listed
Updated May 2026
Miami 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 5 flood insurance agents in Miami 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.
Toscano Insurance Group
1111 Lincoln Rd Suite 500, Miami Beach, FL 33139
(305) 397-8807
toscanoinsurance.com
Del Toro Insurance - Buenos Aires Insurance - Miami Beach
6988 Indian Creek Dr, Miami Beach, FL 33141
(786) 523-0340
deltoroinsurance.com
A & T Insurance Brokerage Inc
800 71st St #1, Miami Beach, FL 33141
(305) 868-1148
atinsurancebrokers.com
South Beach Insurance Agency
1000 Lincoln Rd STE 240, Miami Beach, FL 33139
(305) 532-7623
southbeachinsurance.com
Eptyn Insurance
2699 Collins Ave, Miami Beach, FL 33140
(352) 240-1929
eptyninsurance.com
Flood insurance agents in Miami Beach help property owners secure coverage required by many lenders and Florida law. Due to the high flood risk in coastal areas, agents can explain the difference between NFIP policies and private flood insurance options. Florida Statute 627.715 requires insurers to offer flood coverage in certain policies, making an agent essential for navigating these requirements.
What Does a Flood Insurance Agent in Miami Beach Cost?
Typical flood insurance costs in Miami Beach range from 700 to 2,500 per year for an NFIP policy, but premiums can be higher for properties in high risk zones or with older construction. Private flood insurance may offer lower rates for some properties. Costs depend on flood zone, building elevation, and coverage amount. This is general information, 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 Miami Beach?
Yes if you have a federally backed mortgage in a high risk flood zone. Even if not required, flooding can happen outside mapped zones so coverage is strongly recommended for Miami Beach properties.
What does a flood insurance agent do?
A flood insurance agent helps you compare NFIP and private flood policies, explains coverage limits and exclusions, and assists with the application process. They also advise on elevation certificates and flood zone determinations.
How long does it take to get a flood insurance policy?
NFIP policies have a 30 day waiting period before coverage begins unless the policy is required for a mortgage closing. Private insurers may have different waiting periods, so plan ahead.
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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.