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HomeFlood Insurance AgentsFlorida › Port Charlotte

Find Flood Insurance Agents Near You in Port Charlotte, FL

Browse flood insurance agents serving Port Charlotte, Florida. Updated 2026-07-14.

The top-rated flood insurance agent in Port Charlotte, Florida is Shepherd Insurance, rated 4.9 stars across 538 reviews. Other highly rated options include Chapman Insurance Group, ABC Insurance Group Inc, SWFL Insurance. This directory lists 20 flood insurance agents serving Port Charlotte.

Showing 20 flood insurance agents in Port Charlotte, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Shepherd Insurance1357 S McCall Rd(941) 214-8668
2Chapman Insurance Group2455 S Tamiami Trl(941) 979-8426
3ABC Insurance Group Inc1225 S Tamiami Trl UNIT A10(941) 255-5663
4SWFL Insurance3718 N Tamiami Trl(941) 624-3444
5John Joiner Agency701 JC Center Ct #11(941) 613-1566
6Insurance Depot Of Charlotte County2395 S Tamiami Trl UNIT 4(941) 766-7283
7Amistad Insurance | Affordable Insurance Port Charlotte21234 Olean Blvd STE 6(941) 203-5880
8AAA Port Charlotte21229 Olean Blvd Ste A(941) 627-1544
9Sebanda Insurance1900 S Tamiami Trl #104(941) 280-0036
10AWA Insurance17179 Bonnie Ave(941) 889-7836
SI
1357 S McCall Rd
Shepherd Insurance
Flood Insurance Agent · Port Charlotte, FL

Shepherd Insurance serves the Port Charlotte, Florida area as a local flood insurance agent. The company offers guidance on securing flood coverage for residential and commercial properties in this coastal region. Given the area's exposure to tropical storms and heavy rainfall, assessing flood risk is a key part of its work. The agent helps clients review National Flood Insurance Program options. Explaining elevation certificates for new policies and assisting with renewal paperwork are specific services it handles here.

CI
2455 S Tamiami Trl
Chapman Insurance Group
Flood Insurance Agent · Port Charlotte, FL

Chapman Insurance Group in Port Charlotte, FL provides a range of flood insurance services, including policy assessments and coverage options tailored to flood zone requirements. The company assists clients with navigating the complexities of flood insurance documentation and claims support throughout the year. It offers service plans focusing on policy reviews before and after major storms or seasonal changes. The agency services single-family homes, apartments, retail locations, and restaurants in the surrounding area.

AI
1225 S Tamiami Trl UNIT A10
ABC Insurance Group Inc
Flood Insurance Agent · Port Charlotte, FL

ABC Insurance Group Inc in Port Charlotte, FL serves homeowners, businesses, and property managers seeking flood insurance coverage. The agency helps clients assess their flood risk and navigate available policy options to protect their structures and contents. As a local flood insurance agent, ABC Insurance Group works with the national flood insurance program and private carriers. Understanding the changing flood maps and elevation requirements in this coastal region is critical for its clients. The agency also covers residents and commercial properties in nearby Punta Gorda.

SI
3718 N Tamiami Trl
SWFL Insurance
Flood Insurance Agent · Port Charlotte, FL

SWFL Insurance in Port Charlotte, FL offers both one-time flood insurance policies and recurring annual coverage options to meet different needs. One-time policies suit property owners seeking temporary protection, while recurring service provides continuous, renewable coverage for long-term peace of mind. Both options address damage from rising water, which is a frequent risk in southwest Florida due to seasonal storms and proximity to the coast. Service operates on either a one-time basis for a single policy purchase or a scheduled annual renewal cycle.

JJ
701 JC Center Ct #11
John Joiner Agency
Flood Insurance Agent · Port Charlotte, FL

As seasonal storms and rising water levels increasingly threaten properties along Florida’s Gulf Coast, the John Joiner Agency in Port Charlotte, FL provides flood insurance solutions tailored to local homeowners and businesses. This agency helps clients understand the specific flood risks in their neighborhood, explains the federal and private coverage options available to them, and assists in selecting a policy that adequately protects their investment and assets. A typical first step involves a no-obligation property assessment and a consultation to examine existing flood exposure.

ID
2395 S Tamiami Trl UNIT 4
Insurance Depot Of Charlotte County
Flood Insurance Agent · Port Charlotte, FL

Insurance Depot Of Charlotte County specializes in securing flood insurance policies tailored to properties in Port Charlotte and the surrounding areas. Its general service work includes assessing local flood zone risks and guiding clients through the National Flood Insurance Program options. The agency helps homeowners and business owners in this coastal region protect their assets during hurricane season and sudden heavy rain events which often lead to flooding.

AI
21234 Olean Blvd STE 6
Amistad Insurance | Affordable Insurance Port Charlotte
Flood Insurance Agent · Port Charlotte, FL

Amistad Insurance | Affordable Insurance Port Charlotte assists property owners in securing coverage against flood-related damage, specializing in policies that address the unique risks of Southwest Florida. The agency provides guidance on federal and private flood insurance options tailored to local flood zones. Its services cover single-family homes and multifamily dwellings, as well as commercial sectors including offices, warehouses, and food service operations.

AP
21229 Olean Blvd Ste A
AAA Port Charlotte
Flood Insurance Agent · Port Charlotte, FL

AAA Port Charlotte serves Port Charlotte and its surrounding communities in Florida, providing flood insurance options for homeowners and businesses. The company handles both National Flood Insurance Program policies and private market coverage. The team evaluates each property’s specific flood zone and structure to match appropriate policy limits. A typical job begins with a thorough risk assessment, followed by client education on coverage gaps and deductibles, then the carrier selection and final policy binding process.

SI
1900 S Tamiami Trl #104
Sebanda Insurance
Flood Insurance Agent · Port Charlotte, FL

Sebanda Insurance helps residential property owners in the Port Charlotte area secure flood insurance for their homes. The agency also offers commercial coverage for local businesses, serving clients throughout the region. This work involves explaining flood zone maps and helping customers understand the National Flood Insurance Program requirements. Sebanda Insurance can assist with policy adjustments or claims follow-ups between regular renewal visits, ensuring coverage remains appropriate as flood risks and property values change.

AI
17179 Bonnie Ave
AWA Insurance
Flood Insurance Agent · Port Charlotte, FL

AWA Insurance in Port Charlotte, FL, is a local agency known for helping homeowners and businesses navigate flood insurance policies. The company serves the surrounding coastal and inland communities, where flood risk is a common concern. Agents assess property elevations and flood zone maps to recommend appropriate coverage limits. They also explain waiting periods and policy exclusions clearly to clients. A typical add-on service includes assistance with filing flood damage claims and coordinating with adjusters after a storm event.

WI
3417 S Tamiami Trl # B
We Insure Debbie Reynolds
Flood Insurance Agent · Port Charlotte, FL
(941) 787-2374
weinsuregroup.com/agent/we-insure-debbie-reynolds
WI
18245 Paulson Dr Suite 124
We Insure Ashley Guzman
Flood Insurance Agent · Port Charlotte, FL
(941) 787-7612
weinsuregroup.com/agent/we-insure-ashley-guzman
SI
18501 Murdock Cir Suite 500
Shepherd Insurance
Flood Insurance Agent · Port Charlotte, FL
(941) 639-7050
shepherdins.com/amberg
GI
2762 S Tamiami Trl unit a
GreatFlorida Insurance: Darlene Antinori
Flood Insurance Agent · Port Charlotte, FL
(941) 764-7991
portcharlotte.greatflorida.com
DT
3769 S Tamiami Trl Unit A
Del Toro Insurance
Flood Insurance Agent · Port Charlotte, FL
(941) 203-6582
deltoroinsurance.com/del-toro-insurance-s-tamiami-trail-port-charlotte
SI
532 S Tamiami Trl Unit 1
Spinnaker Insurance Agency
Flood Insurance Agent · Port Charlotte, FL
(941) 613-2210
spinnakerinsuranceagency.com
AI
2541 S Tamiami Trl
Allphase Insurance Services, Inc.-Dawn Cash
Flood Insurance Agent · Port Charlotte, FL
(941) 235-2474
allphaseinsurancefl.com
FF
675 S Tamiami Trl #5
Finly Family Insurance Agency
Flood Insurance Agent · Port Charlotte, FL
(941) 206-4444
finlyinsurance.com
PC
500 Venango St
Port Charlotte Insurance Agency FL
Flood Insurance Agent · Port Charlotte, FL
(386) 222-7044
UP
1800 FL-45
Unity Protect Insurance FL
Flood Insurance Agent · Port Charlotte, FL
(941) 392-7211

What Does a a Flood Insurance Agent in Port Charlotte Cost?

In Port Charlotte, flood insurance premiums through the NFIP average between 700 and 1200 dollars per year for lower-risk zones, and can exceed 3000 dollars per year for high-risk coastal areas. Private flood insurance policies may cost less or more depending on the carrier and coverage limits. Factors such as your home's elevation, age, and foundation type also affect the price. This is general information and not insurance advice.

About flood insurance agents in Port Charlotte

Flood insurance agents in Port Charlotte help property owners secure coverage through the National Flood Insurance Program or private insurers. Florida law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Port Charlotte is located in Charlotte County, which has many designated flood zones due to its coastal location and waterways.

Frequently Asked Questions

Do I need flood insurance in Port Charlotte Florida?

Flood insurance is not required by Florida state law for all properties. However, if your property is in a high-risk flood zone and you have a federally backed mortgage, your lender will require flood insurance. Many Port Charlotte properties are in Special Flood Hazard Areas.

What does a flood insurance agent do in Port Charlotte?

A flood insurance agent helps you assess your flood risk, choose the right coverage amount, and complete the application. They can explain the difference between building property coverage and personal contents coverage. Agents also assist with policy renewals and claims questions.

How much does flood insurance cost in Port Charlotte Florida?

Flood insurance costs vary based on your property's flood zone, elevation, and building characteristics. In Port Charlotte, annual premiums typically range from 700 to 3000 dollars for a standard NFIP policy. Private flood insurance may offer different rates and coverage options.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each flood insurance agent's credentials and current standing with your state Department of Insurance.