The top-rated flood insurance agent in Palm Coast, Florida is Angel Hall - State Farm Insurance Agent, rated 4.9 stars across 546 reviews. Other highly rated options include O'Quinn Insurance Services, Insurance Office of America, Integrity Insurance Group of Florida. This directory lists 18 flood insurance agents serving Palm Coast.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Angel Hall - State Farm Insurance Agent | 800 Belle Terre Pkwy Suite 114 | (386) 437-7117 |
| 2 | O'Quinn Insurance Services | 1499 Palm Coast Pkwy NW Ste F | (386) 204-8789 |
| 3 | Insurance Office of America | 1 Hargrove Grde Building B, Suite 3 | (386) 276-9130 |
| 4 | Integrity Insurance Group of Florida | 5182 N Ocean Shore Blvd unit c | (386) 259-1000 |
| 5 | Tilton & Unger Insurance | 3 Cypress Branch Way #101 | (386) 447-4448 |
| 6 | The Berk Insurance Agency | 17 Old Kings Rd suite r | (386) 627-7405 |
| 7 | Coastal Palm Insurance Company | 2 Pine Lakes Pkwy #6 | (386) 313-5908 |
| 8 | Heart of Florida Insurance Group | 21 Old Kings Rd N B102 | (386) 445-0061 |
| 9 | Brightway Insurance, The Flagler Agency | 55 Plaza Dr #5 | (386) 597-8200 |
| 10 | Santos Group - All Insurance | 25 Palm Harbor Village Way W STE 5A | (386) 597-1112 |
Angel Hall - State Farm Insurance Agent serves Palm Coast and the surrounding Flagler County area, specializing in flood insurance protection. This local agent helps property owners assess their risk of flooding and choose appropriate coverage for homes and businesses. Policies are designed to safeguard against water damage from storms, heavy rainfall, and rising tides common to the region. The agency assists with filing claims and adjusting existing flood policies as community flood zones change.
O'Quinn Insurance Services provides flood insurance coverage for properties in the Palm Coast area, helping clients secure policies to protect against water damage. The agency offers guidance on selecting appropriate coverage limits and deductibles to match individual risk needs. Ongoing policy reviews and renewal assistance ensure that plans remain current with changing flood zone designations and property conditions. The company services a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.
Insurance Office of America serves Palm Coast and the surrounding communities of Flagler County, handling flood insurance for residential and commercial properties. It assists property owners in securing coverage that addresses the specific flood risks of the area, often required by lenders for mortgaged homes located in special flood hazard zones. The company typically begins with a review of the property’s flood zone designation, then evaluates the structure’s contents and elevation to recommend an appropriate policy that meets the client’s needs and local requirements.
Integrity Insurance Group of Florida in Palm Coast helps property owners navigate the difference between a one-time policy purchase for a single property and recurring coverage options that protect multiple locations or automatically renew. Their work as a flood insurance agent involves explaining National Flood Insurance Program guidelines and private market alternatives to ensure adequate protection against local storm surge and rising water events. Clients can schedule appointments on an as-needed basis for policy reviews or new claims guidance.
Homeowners, businesses, and property managers turn to Tilton & Unger Insurance for flood insurance coverage in Palm Coast, Florida. The agency helps clients understand and select policies that protect their properties against flood damage. Navigating the National Flood Insurance Program and private market options, the team assists with risk assessment and policy selection to ensure adequate protection. This focused guidance helps property owners in a coastal area manage their exposure to flood risk. The agency also serves clients in the nearby Flagler Beach community.
The Berk Insurance Agency specializes in flood insurance services for homeowners and businesses in Palm Coast, FL. It helps clients navigate the complexities of securing coverage that aligns with local flood zone requirements and property needs. The agency provides personalized consultations to assess risk and explain policy options from available programs. Whether protecting against seasonal storm surges or the unexpected damage from heavy inland rains, it assists property owners in preparing for these common weather threats throughout the year.
As hurricane season approaches in Palm Coast, property owners face rising flood risks from heavy rainfall and storm surge. Coastal Palm Insurance Company addresses these concerns by providing professional flood insurance agent services throughout the area. They help residential and commercial clients understand coverage options and policy requirements for their specific properties. Every consultation includes a careful review of local flood zone maps and elevation data. The process begins with an on-site inspection to assess the building’s foundation and potential vulnerabilities.
Heart of Florida Insurance Group operates as a flood insurance agent in Palm Coast, FL, helping property owners protect against water damage from severe weather and rising tides. The agency specializes in policies tailored for residential homes and commercial properties. Its services include risk assessment for flood-prone zones and guidance on National Flood Insurance Program options. The company serves various business sectors such as offices, warehouses, and food service establishments.
Brightway Insurance, The Flagler Agency serves residential property owners in Palm Coast, Florida, offering flood insurance coverage for single-family homes and rental units. Commercial flood insurance protection is also available for local businesses throughout the surrounding area. The agency helps clients evaluate their flood risk and select policies that meet their specific needs. Continuing service includes reviewing existing coverage and adjusting policies as conditions change. Clients are encouraged to schedule follow-up appointments or contact the agency for updates between regular visits.
What Does a a Flood Insurance Agent in Palm Coast Cost?
Typical flood insurance costs in Palm Coast Florida range from 700 to 2,500 dollars per year for an NFIP policy, depending on flood zone, building elevation, and coverage amount. Private market policies may cost less or more based on risk assessment. Premiums for homes in high-risk zones can exceed 4,000 dollars annually. This is general information and not insurance advice. Consult a licensed agent for a personalized quote.
About flood insurance agents in Palm Coast
Flood insurance agents in Palm Coast Florida help homeowners and renters secure coverage against storm surge and heavy rain flooding. Florida law requires lenders to mandate flood insurance for properties in Special Flood Hazard Areas. Local agents understand the FEMA flood maps for Palm Coast and can guide you through NFIP and private market policies.
Frequently Asked Questions
Do I need flood insurance in Palm Coast Florida?
If your property is in a FEMA-designated Special Flood Hazard Area and you have a federally backed mortgage, flood insurance is required by law. Even outside high-risk zones, many residents choose coverage because of heavy rain and hurricane risks.
What does a flood insurance agent in Palm Coast do?
A flood insurance agent helps you compare NFIP policies with private flood insurance options. They explain coverage limits, deductibles, and the 30-day waiting period before a policy takes effect. They also assist with flood zone determinations and elevation certificate requirements.
How long does it take to get flood insurance in Palm Coast?
NFIP policies have a standard 30-day waiting period from application date unless the policy is required for a mortgage closing. Private insurers may offer shorter waiting periods. An agent can help you plan ahead to avoid gaps in coverage.
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