ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Flood Insurance Agents Near You in Estero, FL

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

The top-rated flood insurance agent in Estero, Florida is Regency Insurance Group a Hilb Group Company, rated 4.8 stars across 1,373 reviews. Other highly rated options include Ted Todd Insurance: Allstate Insurance, Rich Mathews - State Farm Insurance Agent, Brightway Insurance, The Dorrian Agency. This directory lists 12 flood insurance agents serving Estero.

Showing 12 flood insurance agents in Estero, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Regency Insurance Group a Hilb Group Company23190 Fashion Dr p216(239) 628-4344
2Ted Todd Insurance: Allstate Insurance23160 Fashion Dr #223(239) 561-1100
3Rich Mathews - State Farm Insurance Agent9510 Corkscrew Palms Cir #4(239) 992-8896
4Brightway Insurance, The Dorrian Agency19970 S Tamiami Trl #104(239) 280-5480
5Lane Insurance GroupLocated in the Galleria, 21105 Design Parc Ln #103(239) 947-7474
6Charley Insurance23160 Fashion Dr #226(239) 280-5555
7Sagacity Insurance Professionals10600 Chevrolet Way Suite 224(239) 533-9755
8State Insurance USA, LLC10600 Chevrolet Way #107(239) 567-9992
9Coastline Insurance Group, Inc.23190 Fashion Dr #210(239) 217-6005
10Responsive Insurance Inc9470 Corkscrew Palms Cir #103(239) 596-3177
RI
23190 Fashion Dr p216
Regency Insurance Group a Hilb Group Company
Flood Insurance Agent · Estero, FL

Regency Insurance Group a Hilb Group Company serves the Estero, Florida metro area as a dedicated flood insurance agency. It assists homeowners, renters, and commercial property owners in securing insurance policies required for properties in designated flood zones. The agency helps clients navigate federal and private market options to choose appropriate coverage. Its services include risk assessments and guidance on policy limits for structures and contents. Specific services offered include processing claims for flood damage and advising on required flood elevation certificates for new or existing buildings.

TT
23160 Fashion Dr #223
Ted Todd Insurance: Allstate Insurance
Flood Insurance Agent · Estero, FL

Ted Todd Insurance: Allstate Insurance serves homeowners, businesses, and property managers in the Estero area with flood insurance policies to protect against storm surge and inland flooding. This local agency helps clients assess their flood risk and navigate coverage options required by lenders or federal programs. When water damage threatens a property, having flood insurance provides essential financial protection for both structures and contents. The agency also extends its flood insurance services to neighboring communities such as Bonita Springs and the broader Southwest Florida metro region.

RM
9510 Corkscrew Palms Cir #4
Rich Mathews - State Farm Insurance Agent
Flood Insurance Agent · Estero, FL

Rich Mathews - State Farm Insurance Agent in Estero, FL, provides dedicated flood insurance coverage for local properties exposed to seasonal weather risks. Its service plans include personalized policy consultations to help clients assess their flood zone needs, followed by tailored plan adjustments for adequate protection. Ongoing claims support assists customers through the filing process when water damage occurs. The company services single-family homes, apartments, retail spaces, and restaurants.

BI
19970 S Tamiami Trl #104
Brightway Insurance, The Dorrian Agency
Flood Insurance Agent · Estero, FL

Brightway Insurance, The Dorrian Agency serves Estero and the surrounding communities in southwest Florida, handling flood insurance policies for homeowners and businesses in the region. It assists clients in understanding mandatory requirements from lenders and voluntary coverage options for properties near waterways. The agency works with multiple insurance carriers to find appropriate flood protection tailored to each property's specific risk level. For a typical job, it begins by reviewing the property’s flood zone designation and then presents policy choices that match the client’s coverage needs.

LI
Located in the Galleria, 21105 Design Parc Ln #103
Lane Insurance Group
Flood Insurance Agent · Estero, FL

Lane Insurance Group in Estero, FL, provides flood insurance coverage tailored to protect residential and commercial properties against water damage. Unlike one-time policies that address immediate needs, recurring coverage ensures ongoing protection and premium stability through annual renewals. Policyholders can adjust their coverage as property risk or flood zone boundaries change over time. Their service operates on both a scheduled consultation basis for initial policy setup and as-needed support for claims management and policy adjustments.

CI
23160 Fashion Dr #226
Charley Insurance
Flood Insurance Agent · Estero, FL

Charley Insurance specializes in flood insurance policies tailored to properties in and around Estero, FL. The agency guides clients through flood risk assessments and policy selection for both residential and commercial structures. It routinely assists property owners with NFIP plan options and coverage adjustments. As hurricane season approaches each year, the agency helps local homeowners evaluate their flood exposure and secure adequate protection against storm surge and heavy rainfall events.

SI
10600 Chevrolet Way Suite 224
Sagacity Insurance Professionals
Flood Insurance Agent · Estero, FL

With hurricane season threatening properties across Estero, Sagacity Insurance Professionals helps homeowners secure appropriate coverage before storms arrive. As a local flood insurance agent, the company focuses on policies that protect against rising waters from tidal surges or heavy rainfall. Their representatives guide clients through federal and private coverage options, explaining how elevation and flood zone designations affect premiums. An initial inspection of the home's structure, including foundation type and lowest floor level, begins the assessment to recommend a suitable policy.

SI
10600 Chevrolet Way #107
State Insurance USA, LLC
Flood Insurance Agent · Estero, FL

Based in Estero, Florida, State Insurance USA, LLC provides residential flood insurance services for homeowners in the region. The company also covers commercial properties needing protection against flooding, serving clients throughout the local area. Evaluating each property’s specific flood risk helps tailor the appropriate coverage. The agency remains available for follow-up support and policy adjustments between regular visits.

CI
23190 Fashion Dr #210
Coastline Insurance Group, Inc.
Flood Insurance Agent · Estero, FL

Coastline Insurance Group, Inc. provides flood insurance services for property owners in Estero, Florida. The company specializes in helping clients secure coverage tailored to the area's specific weather and flood zone conditions. It assists with navigating complex policy options and risk assessments for residential and commercial properties. Commercial sectors it can serve include local offices, warehouses, and food service establishments.

RI
9470 Corkscrew Palms Cir #103
Responsive Insurance Inc
Flood Insurance Agent · Estero, FL

Residential clients in Estero rely on this agent for flood insurance policies designed to protect single-family homes and townhouses. Commercial coverage is also available for local businesses and multi-family properties throughout Estero and beyond. As a dedicated flood insurance agent, this firm helps property owners understand National Flood Insurance Program requirements and hazard zone considerations. Policyholders receive guidance on documentation needs and coverage adjustments as flood maps evolve. Follow-up service between regular policy reviews is available to address questions about policy changes or new property acquisitions.

GI
20461 S Tamiami Trl Unit 22
GreatFlorida Insurance: Keith Wilson
Flood Insurance Agent · Estero, FL
(239) 495-3636
estero.greatflorida.com
PI
23160 Fashion Dr #217
Parlin Insurance Agency
Flood Insurance Agent · Estero, FL
(239) 263-3141
parlininsurance.com

What Does a a Flood Insurance Agent in Estero Cost?

Typical flood insurance costs in Florida range from 700 to 2,500 per year for an NFIP policy depending on flood zone elevation and building characteristics. Private market policies may cost more or less based on risk assessment. Deductibles and coverage limits also affect the premium. This is general information and not insurance advice.

About flood insurance agents in Estero

Flood insurance agents in Estero Florida help property owners secure coverage through the National Flood Insurance Program and private carriers. Florida law requires flood insurance disclosure for certain properties and many lenders mandate coverage in high risk zones. An agent can explain your options and help you meet local compliance standards.

Frequently Asked Questions

Do I need flood insurance in Estero Florida?

If your property is in a Special Flood Hazard Area your mortgage lender will likely require flood insurance. Even outside high risk zones flooding can occur and many Estero homeowners choose to purchase coverage for protection.

What does a flood insurance agent do in Estero?

A flood insurance agent helps you assess your flood risk compare NFIP and private policies and complete the application. They also advise on coverage limits deductibles and any Florida specific flood disclosure requirements.

How long does it take to get a flood insurance policy in Estero?

Standard NFIP policies 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.

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.