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Find Flood Insurance Agents Near You in Fort Walton Beach, FL
Directory of flood insurance agents in Fort Walton Beach, Florida. Verify credentials with the state department of insurance before hiring.
5 agents listed
Updated May 2026
Fort Walton Beach, 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 5 flood insurance agents in Fort Walton Beach, 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.
Harris Insurance Services, Inc.
123 Miracle Strip Pkwy SE, Fort Walton Beach, FL 32548
(850) 244-2111
harrisinsurance.com
Norton Insurance Of Florida
102 Beal Pkwy SW, Fort Walton Beach, FL 32548
(850) 244-1574
norton-insurance.com
Haven De La Costa Insurance Agency
501 Mary Esther Cut Off NW #8, Fort Walton Beach, FL 32548
(850) 496-2473
havendelacostains.com
Panhandle Insurance Agency
98 Oakhill Ave, Fort Walton Beach, FL 32547
(850) 610-1857
panhandleinsuranceagency.com
Term Brokers Insurance Services
348 Miracle Strip Pkwy SW Ste 30-A, Fort Walton Beach, FL 32548
(850) 864-2000
termbrokersinsurance.com
Flood insurance agents in Fort Walton Beach help property owners secure coverage required by lenders and Florida law. The area is prone to storm surge and heavy rain so many homes fall in Special Flood Hazard Areas. Agents can explain the National Flood Insurance Program and private options available to you.
What Does a Flood Insurance Agent in Fort Walton Beach Cost?
Typical flood insurance costs in Fort Walton Beach range from 700 to 2,500 per year for an NFIP policy. Private market policies may be higher or lower depending on your flood risk and coverage limits. Elevation and flood zone are major factors in the premium. This is general information and 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 Fort Walton Beach Florida?
Yes if your property is in a high risk flood zone and you have a federally backed mortgage. Florida law does not require flood insurance for all homes but lenders often mandate it for coastal properties.
How do I choose a flood insurance agent in Fort Walton Beach?
Look for an agent licensed in Florida who has experience with NFIP policies and private flood carriers. Ask about their knowledge of local flood maps and elevation certificates for your specific address.
What information does a flood insurance agent need from me?
The agent needs your property address flood zone designation elevation certificate if available and details about your building structure. They will use this to find the right coverage and premium.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
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.