The top-rated flood insurance agent in St. Augustine, Florida is Perry Unwalla - State Farm Insurance Agent, rated 4.8 stars across 422 reviews. Other highly rated options include Leigh Insurance Agency, Tim Huber Insurance, Fender Insurance Agency. This directory lists 21 flood insurance agents serving St. Augustine.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Perry Unwalla - State Farm Insurance Agent | 3791 A1A S ste a | (904) 461-5400 |
| 2 | Leigh Insurance Agency | 1797 Old Moultrie Rd STE 111 | (904) 826-0799 |
| 3 | Tim Huber Insurance | 28 Clark St | (904) 824-2555 |
| 4 | Fender Insurance Agency | 101 E Town Pl #225 | (904) 639-4333 |
| 5 | Ancient City Insurance | 2800 N 5th St #301 | (904) 827-1915 |
| 6 | Brightway Insurance, The Casey Agency | 108 Sea Grove Main St suite b | (904) 217-7547 |
| 7 | Oldest City Insurance | 212 San Marco Ave Suite D | (904) 824-7283 |
| 8 | Benchmark Insurance | 1 Spencer St | (904) 829-2296 |
| 9 | Thompson Baker Agency, Inc. | 61 Cordova St | (904) 824-1631 |
| 10 | Florida We Insure Agency- Home, Auto & Commercial Insurance | 300 Kingsley Lake Dr STE 402 | (904) 900-2175 |
Perry Unwalla - State Farm Insurance Agent serves the St. Augustine, Florida metro area, specializing in flood insurance coverage. This agency helps property owners assess their flood risk and secure policies that protect homes and belongings. Flood damage is a common concern in this coastal region, requiring careful analysis of local flood zones. The agent works with homeowners and businesses to understand available coverage options. Services offered include processing flood insurance applications and assisting with policy adjustments for properties in flood-prone areas.
Leigh Insurance Agency provides comprehensive flood insurance services in St. Augustine, FL, including policy evaluation, coverage selection guidance, and risk assessment for flood-prone properties. It offers ongoing policy review and renewal assistance to help clients maintain appropriate protection as flood zones and regulations change. The agency advises on federal and private flood insurance options to match varying property needs. It services single-family homes, apartments, retail spaces, and restaurants in the area.
Tim Huber Insurance serves homeowners, businesses, and property managers in St. Augustine seeking reliable flood insurance coverage. The agency guides clients through the complexities of flood protection, helping them understand policy options and the importance of securing adequate coverage for properties near waterways and coastal zones. Its agents assist with assessing individual flood risks and selecting appropriate National Flood Insurance Program or private market solutions. In addition to serving St. Augustine, the agency also covers clients in the neighboring community of Ponte Vedra Beach.
Fender Insurance Agency, located in St. Augustine, FL, assists property owners in distinguishing between one-time flood insurance policies designed for specific transactions and recurring annual policies that provide continuing coverage against rising waters. Their guidance helps clients understand how federal program requirements apply to local flood zones. Recognizing that flood risk in coastal St. Augustine is not static, the agency offers coverage consultations on an as-needed basis, without imposing a fixed schedule.
Ancient City Insurance serves St. Augustine and the surrounding coastal communities of Northeast Florida, handling specialized flood insurance policies for residential and commercial properties. Its work focuses on securing National Flood Insurance Program coverage and private market options to protect against rising water damage from storm surge and heavy rainfall. The agency addresses both high-risk flood zones and lower-risk areas where coverage remains essential. To handle a typical job, it evaluates the property’s specific flood exposure and guides clients through the necessary documentation and policy selection process.
With Atlantic hurricane season posing a persistent risk to St. Augustine properties, Brightway Insurance, The Casey Agency provides specialized flood insurance policies for residents and businesses. Their team focuses on explaining the difference between standard homeowners coverage and separate flood plans required in the area. A local agent will meet you on-site to evaluate your property’s elevation and proximity to flood zones. The process begins with scheduling a no-obligation inspection of your home or commercial building.
Oldest City Insurance serves clients in St. Augustine, Florida, helping them secure coverage for properties in designated flood zones. As a specialized flood insurance agent, the company focuses on policies that protect against rising waters and storm surge. It can assess individual risk factors and recommend appropriate National Flood Insurance Program options. Its services extend to commercial clients, including offices, warehouses, and food service businesses, all of which require tailored protection for their unique operational exposures in a coastal environment.
Benchmark Insurance specializes in flood insurance policies for properties in the Special Flood Hazard Areas surrounding St. Augustine. The agency evaluates individual risk factors, including elevation and proximity to the Atlantic coast or the Matanzas River, to recommend appropriate coverage. It assists clients in navigating federal flood program requirements and private market options. With the region facing heightened hurricane season threats and frequent storm surge events, this agent helps property owners secure protection before waters rise.
Thompson Baker Agency, Inc. in St. Augustine, FL is recognized for providing comprehensive flood insurance agent services. The agency serves residential and commercial property owners across the local area. It focuses on helping clients navigate the complexities of federal and private flood coverage options. This specialized work is essential for protecting homes and businesses along the coast. The agency can add on assistance with elevation certificate review to ensure accurate risk assessment and premium calculation for standard policies.
What Does a a Flood Insurance Agent in St. Augustine Cost?
Typical flood insurance premiums in Florida range from 700 to 2000 dollars per year for NFIP policies in moderate-risk zones. Properties in high-risk coastal areas of St. Augustine may pay 2000 to 5000 dollars or more annually. Private flood insurance can cost differently based on coverage and risk. This is general information not insurance advice.
About flood insurance agents in St. Augustine
Flood insurance agents in St. Augustine help property owners secure coverage through the National Flood Insurance Program or private insurers. Florida law requires lenders to mandate flood insurance for properties in high-risk flood zones. Agents guide clients through elevation certificates and flood map updates specific to St. Augustine coastal areas.
Frequently Asked Questions
Do I need flood insurance in St. Augustine Florida?
If your property is in a Special Flood Hazard Area designated by FEMA your lender will require flood insurance. Even outside high-risk zones flooding is common in St. Augustine so many homeowners choose coverage. Florida law does not mandate flood insurance for all properties but lenders enforce it for mortgages in flood zones.
What does a flood insurance agent do in St. Augustine?
An agent reviews your property flood zone and elevation to recommend appropriate coverage limits. They help you complete the application and submit required documents like elevation certificates. Agents also explain the 30-day waiting period for NFIP policies before coverage starts.
How do I find a flood insurance agent in St. Augustine?
Search for licensed insurance agents who specialize in flood coverage in St. Johns County. You can verify an agent license through the Florida Department of Financial Services website. Ask about their experience with NFIP rules and local flood maps for St. Augustine.
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