All Counties Insurance Agency
99 Old Kings Road, South, Suite #3, Central Florida Retina Bldg., Flagler Beach, FL 32136
View this agency's profile to learn more about their services.
Loading...
City directory
Flagler Beach households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
99 Old Kings Road, South, Suite #3, Central Florida Retina Bldg., Flagler Beach, FL 32136
View this agency's profile to learn more about their services.
99 Old Kings Road South, Suite 3, Central Florida Retina Bldg, Flagler Beach, FL 32136
View this agency's profile to learn more about their services.
2515 Moody Blvd, Flagler Beach, FL 32136
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Flagler Beach residents.
Essential guide to insuring your Flagler Beach home. Learn about flood zones, hurricane coverage, wind mitigation, and coastal property insurance challenges.
General Insurance EducationEssential insurance guide for Flagler Beach, FL. Learn about coastal homeowners, flood, auto, and renters coverage for this barrier island community.
Car InsuranceComplete guide to auto insurance in Flagler Beach, Florida. Learn about PIP requirements, coastal coverage needs, costs, and how to save money.
Yes. Flagler Beach sits between the Atlantic Ocean and the Intracoastal Waterway, creating flood exposure from both sides. Most properties in Flagler Beach fall into Special Flood Hazard Areas with a 1% annual flood chance. Your standard homeowners policy won't cover flood damage, and starting in 2026-2027, Citizens will require flood coverage for most coastal homes anyway.
Costs vary significantly based on your distance from the ocean, flood zone, and home features, but expect to pay well above Florida's already-high average of $5,700 annually. Coastal properties near the ocean can easily exceed $8,000-10,000 for homeowners coverage alone. Add flood insurance (averaging $487 locally but often higher for oceanfront properties), and you're looking at substantial annual insurance costs.
Flagler Beach's Class 6 rating in the National Flood Insurance Program's Community Rating System gives you automatic discounts on flood insurance premiums. You'll save 20% on policies within Special Flood Hazard Areas and 10% on policies outside these zones. This discount applies to all NFIP policies in Flagler Beach and can save you hundreds of dollars annually.
Absolutely. Impact-resistant windows, hurricane shutters, newer roofs with proper attachments, and reinforced roof-to-wall connections can reduce your wind premium by 20-45% or more. For a coastal Flagler Beach property with a $4,000 annual wind premium, proper mitigation features could save $800-1,800 per year. Many of these upgrades pay for themselves in premium savings within 3-7 years while actually protecting your home.
Florida's Citizens Property Insurance serves as the insurer of last resort for properties that can't find coverage in the private market. While Citizens rates have increased, recent legislative reforms have stabilized the market and brought over 100 carriers back with competitive rates. Work with an independent agent who can shop multiple carriers—you may have more options than you expect, especially if your home has wind mitigation features.
Beach erosion is a serious concern that affects both insurability and property values in Flagler Beach. Some insurers now refuse coverage for properties within 500 feet of the water or in documented erosion zones. Advanced climate modeling helps carriers predict which properties face long-term erosion risk, potentially making them uninsurable at any price. If you're considering an oceanfront purchase, research the property's erosion history and current setback from the high-water line.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network