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Browse flood insurance agents serving Palm Harbor, Florida. Contact information and addresses listed below.
14 agents listed
Updated May 2026
Palm Harbor, 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 14 flood insurance agents in Palm Harbor, 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.
Coleman Insurance Agency
4831 Ruen Dr Suite 200, Palm Harbor, FL 34685
(727) 441-9911
colemanagencyfl.com
Reliant Insurance Services
34921 US Hwy 19 N #201, Palm Harbor, FL 34684
(727) 335-0335
myreliantinsurance.com
Lizette Cochran - State Farm Insurance Agent
3031 E Lake Rd S, Palm Harbor, FL 34685
(727) 786-1082
lizettec.com
Brightway Insurance, The Harrington Agency
31962 US Hwy 19 N, Palm Harbor, FL 34684
(727) 789-2200
brightway.com
Hawk Insurance Group
31087 US Hwy 19 N, Palm Harbor, FL 34684
(727) 877-4295
hawkig.com
Whitco Insurance Agency Palm Harbor 👍
30832 US Hwy 19 N, Palm Harbor, FL 34684
(727) 781-5858
whitcoinsuranceph.com
GreatFlorida Insurance: Jim Sullivan
3382 Tampa Rd, Palm Harbor, FL 34684
(727) 781-5533
palmharbor.greatflorida.com
Edgewater Insurance Inc
30522 US Hwy 19 N #107-Q, Palm Harbor, FL 34684
(727) 772-0428
edgewaterinsuranceinc.com
Insurance Solutions of Tampa Bay
2708 US-19 ALT Suite 505 Suite F, Palm Harbor, FL 34683
(727) 474-9645
insurancesolutionstb.com
Royal Insurance, Inc.
32756 US Hwy 19 N, Palm Harbor, FL 34684
(727) 786-0090
royalinsuranceinc.com
Commonwealth Insurance
4175 Woodlands Pkwy, Palm Harbor, FL 34685
(727) 787-8151
First Class Insurance
1155 Tampa Rd Suite A, Palm Harbor, FL 34683
(727) 796-2600
1classinsurance.com
Estrella Insurance
31055 US Hwy 19 N, Palm Harbor, FL 34684
(727) 609-2501
agents.estrellainsurance.com
Chavanne Insurance Agency
3466 Tampa Rd, Palm Harbor, FL 34684
(727) 771-1716
Flood insurance agents in Palm Harbor help homeowners and businesses secure coverage required by Florida law and mortgage lenders. Palm Harbor sits in high-risk flood zones near the Gulf Coast, making flood insurance a critical protection. An agent can explain the National Flood Insurance Program rules and private market options specific to Pinellas County.
What Does a Flood Insurance Agent in Palm Harbor Cost?
Flood insurance costs in Palm Harbor vary by flood zone, building elevation, and coverage amount. NFIP premiums typically range from 700 to 2,500 dollars per year for standard policies. Private flood insurance may cost 500 to 1,800 dollars annually depending on risk factors. Elevation certificates and recent flood map changes can affect your rate. 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
Is flood insurance required in Palm Harbor Florida?
Yes, if your property is in a Special Flood Hazard Area designated by FEMA and you have a federally backed mortgage. Florida law also requires disclosure of flood risk to buyers. An agent can check your flood zone and advise on coverage needs.
How do I choose a flood insurance agent in Palm Harbor?
Look for an agent licensed in Florida with experience writing NFIP policies. They should be able to explain the 30-day waiting period for new NFIP policies and help you compare private flood insurance options. Ask about their familiarity with Palm Harbor flood maps.
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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.