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.
HomeFlood Insurance AgentsFlorida › Palmetto Bay

Find Flood Insurance Agents Near You in Palmetto Bay, FL

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

The top-rated flood insurance agent in Palmetto Bay, Florida is GreatFlorida Insurance: Tamara Mourino, rated 5.0 stars across 421 reviews. Other highly rated options include Del Toro Insurance, Steve Myers - State Farm Insurance Agent, Sebanda Insurance. This directory lists 12 flood insurance agents serving Palmetto Bay.

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

Comparison

Top 10 listings
#NameAddressPhone
1GreatFlorida Insurance: Tamara Mourino9811 Wayne Ave(305) 256-0616
2Del Toro Insurance13843 S Dixie Hwy(305) 831-2505
3Steve Myers - State Farm Insurance Agent9004 SW 152nd St(305) 253-5800
4Sebanda Insurance17595 S Dixie Hwy(305) 817-4392
5Progressive Insurance - Claims Office17901 Old Cutler Rd Ste 300(800) 776-4737
6Del Toro Insurance Kendall10579 SW 109th Ct(786) 214-7551
7Bortec Insurance15715 S Dixie Hwy Ste 229(786) 660-6590
8D Insurance Group9555 SW 175th Terrace Suite 224(305) 882-9358
9All About Insurance, Inc.17891 S Dixie Hwy STE 105(305) 251-3098
10TrustCore Insurance FL13843 S Dixie Hwy(786) 371-0813
GI
9811 Wayne Ave
GreatFlorida Insurance: Tamara Mourino
Flood Insurance Agent · Palmetto Bay, FL

GreatFlorida Insurance: Tamara Mourino serves the Palmetto Bay area of Miami-Dade County, offering professional flood insurance agent services. This agent helps property owners understand their risk exposure and navigate the requirements of the National Flood Insurance Program. Policies from this location can cover both residential homes and commercial structures against rising water damage from storm surges or heavy rainfall. The agency also handles inland flooding risks that affect many parts of South Florida. Claim assistance for policyholders dealing with flood damage is a specific service it provides here.

DT
13843 S Dixie Hwy
Del Toro Insurance
Flood Insurance Agent · Palmetto Bay, FL

Del Toro Insurance specializes in helping property owners in Palmetto Bay, Florida, secure flood coverage for residential and commercial structures. The agency works with clients to assess their flood risk and identify appropriate insurance plans through the National Flood Insurance Program. Many local homes and businesses require this protection due to the area's proximity to waterways and seasonal tropical storms. Del Toro Insurance assists homeowners and business owners in preparing for the increased flood threats that commonly occur during the Atlantic hurricane season.

SM
9004 SW 152nd St
Steve Myers - State Farm Insurance Agent
Flood Insurance Agent · Palmetto Bay, FL

Steve Myers - State Farm Insurance Agent serves homeowners, businesses, and property managers in Palmetto Bay, Florida, by offering flood insurance policies to protect against water damage from storms and rising tides. With coverage options tailored to local risk factors, clients can secure financial protection for structures and contents. The agency also assists with navigating policy requirements in designated flood zones. In addition to Palmetto Bay, this office provides flood insurance services to the surrounding areas of Cutler Bay and the broader South Miami metro region.

SI
17595 S Dixie Hwy
Sebanda Insurance
Flood Insurance Agent · Palmetto Bay, FL

When seasonal storms threaten Palmetto Bay, securing adequate coverage against rising waters becomes a pressing concern for local homeowners. Sebanda Insurance in Palmetto Bay, Florida, provides specialized guidance as a Flood Insurance Agent, helping residents navigate the complexities of policies that protect their properties from flood damage. Their focus remains on ensuring clients understand the specific risks in their area. To start the process, they will schedule a thorough property inspection to assess individual flood exposure and identify coverage needs before providing personalized insurance recommendations.

PI
17901 Old Cutler Rd Ste 300
Progressive Insurance - Claims Office
Flood Insurance Agent · Palmetto Bay, FL

Progressive Insurance - Claims Office in Palmetto Bay, FL, provides flood insurance application processing, policy review, and claims assistance to help property owners manage flood risk. It offers guidance on coverage options without maintaining separate service or maintenance plans for policies. The office supports clients with documentation and filing procedures after flood events occur. It services single-family homes, apartments, retail storefronts, and restaurants throughout the local area.

DT
10579 SW 109th Ct
Del Toro Insurance Kendall
Flood Insurance Agent · Palmetto Bay, FL

Del Toro Insurance Kendall serves Palmetto Bay, Florida, and nearby communities, specializing in flood insurance policies for residential and commercial properties. The agency handles risk assessments to help clients understand federal flood zone requirements and coverage options available through the National Flood Insurance Program. To manage a typical client request, it begins by evaluating property elevation and local flood map data for accurate premium projections.

BI
15715 S Dixie Hwy Ste 229
Bortec Insurance
Flood Insurance Agent · Palmetto Bay, FL

For a flood insurance agent, services may be offered on either a one-time consultation basis or through an ongoing scheduled review of coverage limits. Bortec Insurance in Palmetto Bay, FL assists property owners with understanding flood policy options, including deductibles and building versus contents coverage, according to local flood zone requirements. Clients typically schedule flood insurance consultations on an as-needed basis, often when purchasing a home or after a policy renewal notice arrives.

DI
9555 SW 175th Terrace Suite 224
D Insurance Group
Flood Insurance Agent · Palmetto Bay, FL

Following Miami-Dade’s rainy season, homeowners in Palmetto Bay often seek coverage for rising groundwater risks. D Insurance Group serves this need as a flood insurance agent, guiding property owners through policy options tailored to local flood zones. Using standard flood maps and FEMA guidelines, the agent explains coverage limits and exclusions in plain terms. Policies are reviewed with clients to match their specific property elevations and flood history. An on-site property inspection is scheduled to assess drainage and ground-level vulnerabilities before a quote is issued.

AA
17891 S Dixie Hwy STE 105
All About Insurance, Inc.
Flood Insurance Agent · Palmetto Bay, FL

All About Insurance, Inc. specializes in flood insurance policies for homes and businesses. The agency guides clients through the complexities of flood zone designations and coverage options. Residents and property owners in Palmetto Bay, FL, rely on this agent to identify appropriate policies that protect against rising water. The team works directly with individuals to explain deductibles and coverage limits in clear terms. This service is especially useful before hurricane season, when property owners need to update existing policies or secure new protection against storm surges.

TI
13843 S Dixie Hwy
TrustCore Insurance FL
Flood Insurance Agent · Palmetto Bay, FL

TrustCore Insurance FL provides flood insurance coverage for properties in Palmetto Bay and throughout the surrounding area. As a dedicated Flood Insurance Agent, the company assists clients in obtaining policies that address rising water risks from storms and heavy rainfall. Services extend to evaluating property exposure and explaining available plan options under federal and private programs. Commercial sectors served include offices, warehouses, and food service operations seeking appropriate protection for their facilities.

DT
17120 S Dixie Hwy
Del Toro Insurance
Flood Insurance Agent · Palmetto Bay, FL
(786) 579-1444
deltoroinsurance.com
LI
15321 S Dixie Hwy
Legacy Insurance FL
Flood Insurance Agent · Palmetto Bay, FL
(305) 709-6027

What Does a a Flood Insurance Agent in Palmetto Bay Cost?

Flood insurance costs in Florida vary by flood zone elevation and building value. For a typical single family home in Palmetto Bay annual premiums range from 700 to 3000 dollars for NFIP policies. Private market policies may cost less or more depending on risk. This is general information not insurance advice.

About flood insurance agents in Palmetto Bay

Flood insurance agents in Palmetto Bay Florida help property owners secure coverage required by many lenders. Palmetto Bay is in a coastal flood zone where elevation certificates are often needed. Florida law mandates that all agents disclose flood risk and policy limits clearly to clients.

Frequently Asked Questions

Do I need flood insurance in Palmetto Bay Florida?

Yes if your property is in a high risk flood zone or you have a federally backed mortgage. Many homes in Palmetto Bay are in Zone AE or VE. Even outside high risk zones flood damage is common so coverage is recommended.

What does a flood insurance agent do in Palmetto Bay?

An agent helps you choose a policy from the National Flood Insurance Program or a private carrier. They review your flood zone elevation and property value to recommend appropriate coverage limits. They also assist with claims filing and policy renewals.

How long does it take to get flood insurance in Palmetto Bay?

Standard NFIP policies have a 30 day waiting period before coverage begins. Some private insurers offer shorter waiting periods. Plan ahead especially during hurricane season from June to November.

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.