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3472 NE Savannah Road, Jensen Beach, FL 34957
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3472 NE Savannah Road, Jensen Beach, FL 34957
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1514 NE Jensen Beach Blvd, Jensen Beach, FL 34957
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947 NE Jensen Beach Blvd, STE A, Jensen Beach, FL 34957
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1514 NE Jensen Beach Blvd, Jensen Beach, FL 34957
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Jensen Beach residents.
Home insurance in Jensen Beach costs 81% above Florida's average. Learn about hurricane risk, flood coverage requirements, and how wind mitigation saves $5,000+.
Car InsuranceJensen Beach auto insurance averages $1,020/year. Learn about Florida's July 2026 no-fault elimination, PIP changes, and Martin County coverage options.
Jensen Beach's insurance costs average 81% higher than the Florida state average primarily due to its coastal location with exposure to Atlantic hurricanes from multiple directions. The town is surrounded by water—the Indian River Lagoon, St. Lucie River, and proximity to ocean beaches—which creates elevated wind and flood risk. Insurers price policies based on historical storm data and catastrophic loss potential, and Jensen Beach's geography puts it in one of the highest-risk categories in the state.
Yes, absolutely. Standard homeowners insurance policies in Florida do not cover flood damage, even if a hurricane causes the flooding. Jensen Beach is designated as High Flood Risk (FEMA Zone AE) in many areas, and if you have a mortgage in a flood zone, your lender will require separate flood coverage. Even if you own your home outright, skipping flood insurance is extremely risky given the town's proximity to the Indian River Lagoon and history of storm surge.
Wind mitigation refers to hurricane-resistant features like impact windows, reinforced garage doors, roof-to-wall attachments, and storm shutters that reduce wind damage during hurricanes. In Jensen Beach, homes built before 2001 with proper wind mitigation features can save over $5,000 annually on insurance premiums. You'll need a wind mitigation inspection (costing $75-150) to document these features, and the inspector's report will qualify you for discounts with your insurer.
Martin County participates in FEMA's Community Rating System (CRS), which offers up to 25% discounts on National Flood Insurance Program (NFIP) premiums for eligible residents. The discount applies because Martin County has implemented floodplain management practices that exceed minimum NFIP requirements. When you purchase NFIP flood insurance in Jensen Beach, your agent should automatically apply the CRS discount based on your property's location within Martin County.
The market is finally stabilizing and even improving slightly. While Florida premiums are still up about 6% year-over-year, that's a dramatic slowdown from the double-digit increases of 2020-2024. More than 10 new insurers have entered Florida since 2023, creating actual competition, and the state received 73 rate decrease filings in late 2025. A quiet hurricane season, lower reinsurance costs, and state reform efforts are all helping to moderate rate increases.
Waterfront properties along the Indian River Lagoon and St. Lucie River face the highest insurance costs—typically 20-40% above standard Jensen Beach rates. You'll need robust flood insurance, and NFIP coverage limits ($250,000 structure/$100,000 contents) may not be sufficient to rebuild, requiring excess flood coverage from private insurers. Your insurer will scrutinize elevation, construction type, and exact proximity to water. Working with an agent experienced in coastal properties is essential for proper coverage.
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