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Directory of flood insurance agents in Cutler Bay, Florida. Verify credentials with the state department of insurance before hiring.
11 agents listed
Updated May 2026
Cutler Bay, 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 11 flood insurance agents in Cutler Bay, 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.
Ellie Mills - State Farm Insurance Agent
20330 Old Cutler Rd, Cutler Bay, FL 33189
(305) 238-8688
gotmills.com
Estrella Insurance
20214 Old Cutler Rd, Cutler Bay, FL 33189
(305) 232-7690
agents.estrellainsurance.com
Choice One Insurance
18400 SW 97th Ave STE 101, Cutler Bay, FL 33157
(305) 252-1873
choiceoneinsurance.net
Del Toro Insurance
18651 S Dixie Hwy, Cutler Bay, FL 33157
(305) 252-1009
deltoroinsurance.com
Claudia's Insurance Inc
18901 SW 106th Ave #132, Cutler Bay, FL 33157
(786) 293-9141
claudiasinsurance.com
Lumina Insurance At Cutler Bay
20250 S Dixie Hwy Ste 202, Cutler Bay, FL 33189
(786) 409-0930
luminainsuranceatcutlerbay.com
Goosehead Insurance - Luis Andrew Ruiz & Eric Gray
20325 Old Cutler Rd, Cutler Bay, FL 33189
(786) 685-2962
goosehead.com
Gerald Campbell: Allstate Insurance
10655 SW 190th St STE 2111, Cutler Bay, FL 33157
(305) 602-5200
agents.allstate.com
Univista Insurance
20280 Old Cutler Rd, Cutler Bay, FL 33189
(786) 401-2505
univistainsurance.com
Sure Insurance Agency
20555 Old Cutler Rd, Cutler Bay, FL 33189
(305) 203-0289
All Dade Insurance
18450 SW 97th Ave, Cutler Bay, FL 33157
(786) 730-7961
Flood insurance agents in Cutler Bay Florida help property owners secure coverage required by many mortgage lenders. Florida law does not mandate flood insurance but properties in high risk zones often need it for loans. Cutler Bay faces hurricane and storm surge risks making flood insurance a practical choice for homeowners and businesses.
What Does a Flood Insurance Agent in Cutler Bay Cost?
Typical flood insurance costs in Cutler Bay Florida range from 700 to 2,500 per year for NFIP policies depending on flood zone elevation and coverage amount. Private market policies can be higher or lower. Costs vary by property so get a personalized quote. 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 Cutler Bay Florida?
Florida law does not require flood insurance but if your home is in a Special Flood Hazard Area and you have a federally backed mortgage the lender will require it. Cutler Bay is in Miami Dade County which has many flood zones so check your flood map status.
What does a flood insurance agent do in Cutler Bay?
A flood insurance agent helps you assess your flood risk determine the correct coverage amount and purchase a policy through the National Flood Insurance Program or a private insurer. They also guide you on elevation certificates and flood zone designations specific to Cutler Bay.
How long does it take to get flood insurance in Cutler Bay?
Standard NFIP policies have a 30 day waiting period before coverage begins. However if you are buying a home with a mortgage the waiting period may be waived if you apply within 13 days of closing. Private insurers may have different waiting periods.
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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.