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Find Flood Insurance Agents Near You in Port Charlotte, FL
Directory of flood insurance agents in Port Charlotte, Florida. Verify credentials with the state department of insurance before hiring.
20 agents listed
Updated May 2026
Port Charlotte, 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 20 flood insurance agents in Port Charlotte, 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.
Shepherd Insurance
1357 S McCall Rd, Port Charlotte, FL 33981
(941) 214-8668
arnoldinsuresme.com
Chapman Insurance Group
2455 S Tamiami Trl, Port Charlotte, FL 33952
(941) 979-8426
cigflorida.com
ABC Insurance Group Inc
1225 S Tamiami Trl UNIT A10, Port Charlotte, FL 33953
(941) 255-5663
abcinsurancegroup.net
AAA Port Charlotte
21229 Olean Blvd Ste A, Port Charlotte, FL 33952
(941) 627-1544
locator.acg.aaa.com
SWFL Insurance
3718 N Tamiami Trl, Port Charlotte, FL 33952
(941) 624-3444
swflinsurance.com
Insurance Depot Of Charlotte County
2395 S Tamiami Trl UNIT 4, Port Charlotte, FL 33952
18245 Paulson Dr Suite 124, Port Charlotte, FL 33954
(941) 787-7612
weinsuregroup.com
Shepherd Insurance
18501 Murdock Cir Suite 500, Port Charlotte, FL 33948
(941) 639-7050
shepherdins.com
Spinnaker Insurance Agency
532 S Tamiami Trl Unit 1, Port Charlotte, FL 33953
(941) 613-2210
spinnakerinsuranceagency.com
GreatFlorida Insurance: Darlene Antinori
2762 S Tamiami Trl unit a, Port Charlotte, FL 33952
(941) 764-7991
portcharlotte.greatflorida.com
Del Toro Insurance
3769 S Tamiami Trl Unit A, Port Charlotte, FL 33952
(941) 203-6582
deltoroinsurance.com
Allphase Insurance Services, Inc.-Dawn Cash
2541 S Tamiami Trl, Port Charlotte, FL 33952
(941) 235-2474
allphaseinsurancefl.com
Finly Family Insurance Agency
675 S Tamiami Trl #5, Port Charlotte, FL 33953
(941) 206-4444
finlyinsurance.com
Port Charlotte Insurance Agency FL
500 Venango St, Port Charlotte, FL 33954
(386) 222-7044
Unity Protect Insurance FL
1800 FL-45, Port Charlotte, FL 33948
(941) 392-7211
Flood insurance agents in Port Charlotte help property owners secure coverage through the National Flood Insurance Program or private insurers. Florida law requires flood insurance for properties in high-risk flood zones if they have a federally backed mortgage. Port Charlotte is located in Charlotte County, which has many designated flood zones due to its coastal location and waterways.
What Does a Flood Insurance Agent in Port Charlotte Cost?
In Port Charlotte, flood insurance premiums through the NFIP average between 700 and 1200 dollars per year for lower-risk zones, and can exceed 3000 dollars per year for high-risk coastal areas. Private flood insurance policies may cost less or more depending on the carrier and coverage limits. Factors such as your home's elevation, age, and foundation type also affect the price. 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 Port Charlotte Florida?
Flood insurance is not required by Florida state law for all properties. However, if your property is in a high-risk flood zone and you have a federally backed mortgage, your lender will require flood insurance. Many Port Charlotte properties are in Special Flood Hazard Areas.
What does a flood insurance agent do in Port Charlotte?
A flood insurance agent helps you assess your flood risk, choose the right coverage amount, and complete the application. They can explain the difference between building property coverage and personal contents coverage. Agents also assist with policy renewals and claims questions.
How much does flood insurance cost in Port Charlotte Florida?
Flood insurance costs vary based on your property's flood zone, elevation, and building characteristics. In Port Charlotte, annual premiums typically range from 700 to 3000 dollars for a standard NFIP policy. Private flood insurance may offer different rates and coverage options.
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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.