The top-rated flood insurance agent in Palm Bay, Florida is Jeff Thummel - State Farm Insurance Agent, rated 4.9 stars across 561 reviews. Other highly rated options include Ryan Hill - State Farm Insurance Agent, Patriot Growth Insurance Service, LLC, Joe Raley - State Farm Insurance Agent. This directory lists 18 flood insurance agents serving Palm Bay.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jeff Thummel - State Farm Insurance Agent | 4951 Babcock St NE Ste 5 | (321) 727-3992 |
| 2 | Ryan Hill - State Farm Insurance Agent | 1460 Baytree Dr Suite D | (321) 723-1444 |
| 3 | Patriot Growth Insurance Service, LLC | 1430 Palm Bay Rd NE Suite A and B | (321) 725-1440 |
| 4 | Joe Raley - State Farm Insurance Agent | 5030 Minton Rd #1 | (321) 723-0333 |
| 5 | Weston Johnson - State Farm Insurance Agent | 590 Malabar Rd SE #6 | (321) 541-1433 |
| 6 | Sarpoolaki Insurance Center,LLC | 277 Malabar Rd SE | (321) 914-0303 |
| 7 | GreatFlorida Insurance: Sabrina Lee | 4651 Babcock St NE # 17 | (321) 724-4409 |
| 8 | Brightway Insurance, The DeJesus Legacy Agency | 3200 Dixie Hwy NE Ste 7 | (321) 257-4045 |
| 9 | Monty McCart: Allstate Insurance | 820 Palm Bay Rd NE #111 | (321) 724-8851 |
| 10 | We Insure Pinnacle | 5240 Babcock St NE #300b | (321) 326-6160 |
Jeff Thummel - State Farm Insurance Agent serves the Palm Bay, Florida metro area, specializing in flood insurance agency services. The company helps property owners assess their flood risk and secure appropriate coverage for their homes and businesses. Building on the area's proximity to waterways and seasonal storm threats, the agency guides clients through policy options to protect against potential water damage. Specific services it handles include residential flood insurance policies and commercial flood insurance plans tailored for local conditions.
Ryan Hill - State Farm Insurance Agent serves homeowners, businesses, and property managers in Palm Bay, FL, by offering flood insurance policies that help protect against water damage from storms and rising tides. The agency works with clients to explain coverage options for buildings and contents, ensuring each policy aligns with local flood zone requirements. It also provides guidance on the federal flood program and private market alternatives. Additionally, the agency covers the neighboring community of Melbourne in Brevard County.
Patriot Growth Insurance Service, LLC provides flood insurance coverage and policy reviews for property owners in Palm Bay, Florida. Its service plans include assisting clients with filing claims and adjusting coverage limits during policy renewal periods. The company also offers guidance on federal flood zone designations and premium calculations. It services a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Joe Raley - State Farm Insurance Agent serves Palm Bay, Florida and the surrounding Brevard County communities, handling flood insurance policies for residential and commercial properties in this coastal region. The agency guides clients through the process of securing coverage that addresses flood risks common to the area. It typically approaches each job by assessing the property’s exposure to flooding, explaining available options from the National Flood Insurance Program, and helping tailor a policy to meet the customer’s specific needs.
Weston Johnson - State Farm Insurance Agent in Palm Bay, FL, provides flood insurance that can be structured as a one-time policy for a single property purchase or as a recurring annual plan for ongoing property protection. Coverage typically safeguards the building structure and its contents against rising water damage. Service runs on either a one-time basis, tailored for new home purchases or refinancing, or on a scheduled annual renewal cycle for continuous coverage.
Sarpoolaki Insurance Center, LLC, specializes in writing National Flood Insurance Program policies for properties in Palm Bay. It also assists homeowners, renters, and business owners with general property and casualty coverage. Its agents analyze local flood zone maps and elevation certificates to determine appropriate coverage for existing structures. As Atlantic hurricane season brings heavy rain and storm surge each summer, this agency helps clients review and renew their policies before potential flood advisories are issued.
When hurricane season brings heavy rains and storm surge to Palm Bay, a flood insurance agent provides essential guidance on securing coverage. GreatFlorida Insurance with Sabrina Lee serves the local community by helping property owners understand National Flood Insurance Program options and private policies alike. They review individual flood zone risks and property elevations for accurate quotes. An initial consultation includes a discussion of deductibles and building coverage limits. A flood risk inspection of the home or business is then scheduled to complete the assessment.
Brightway Insurance, The DeJesus Legacy Agency serves Palm Bay residents seeking residential flood coverage to protect their homes and belongings. The agency also offers commercial flood insurance policies for local businesses requiring asset protection from water damage in the area. Their service extends throughout Palm Bay and its surrounding neighborhoods. The team ensures clients receive clear guidance on policy details and claims processes, with follow-up support available between regular policy review visits to address any changes in coverage needs.
Monty McCart: Allstate Insurance provides property and casualty coverage to residents and businesses in the Palm Bay, Florida area. The agency specializes in flood insurance, helping clients obtain policies that address the region's exposure to heavy rainfall and storm surge. Homeowners, renters, and commercial property owners can explore options tailored to their specific needs. These services are available for a variety of commercial sectors, including offices, warehouses, and food service operations.
What Does a a Flood Insurance Agent in Palm Bay Cost?
Flood insurance costs in Palm Bay vary based on flood zone, property elevation, and coverage amount. NFIP policies average around $700 to $1,200 per year for standard coverage, but high-risk properties can cost $2,000 or more. Private flood insurance may offer lower rates for lower-risk properties. This is general information and not insurance advice.
About flood insurance agents in Palm Bay
Flood insurance agents in Palm Bay, Florida help homeowners and businesses secure coverage against flood damage. Florida law requires flood insurance for properties in high-risk flood zones with federally backed mortgages. Agents in Palm Bay can explain local flood maps and the National Flood Insurance Program (NFIP) rules.
Frequently Asked Questions
Do I need flood insurance in Palm Bay Florida?
If your property is in a high-risk flood zone and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, flooding can occur, so many residents choose to carry a policy for protection.
What does a flood insurance agent do in Palm Bay?
A flood insurance agent helps you compare NFIP and private flood insurance options. They assess your property risk, explain coverage limits and deductibles, and assist with filing claims after a flood event.
How long does it take to get flood insurance in Palm Bay?
NFIP policies typically have a 30-day waiting period before coverage begins. Private insurers may offer shorter waiting periods. It is important to plan ahead and not wait until a storm is approaching.
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