Critical for Florida Coastal Properties
Homeowners policies do not cover flood. Not storm surge, not rising water, not the river coming up — and on the Treasure Coast, that is not a hypothetical. HBK Insurance Group writes both NFIP and private flood, and the private market has become genuinely competitive here, often with higher limits and faster underwriting than the federal program.
What Flood Insurance Covers
- ✓ NFIP and private flood options
- ✓ Building and contents coverage
- ✓ Replacement cost options on private policies
- ✓ Flood zone analysis
- ✓ Elevation certificate assistance
- ✓ Coverage available outside high-risk zones
You Do Not Have to Be in a Flood Zone to Flood
A meaningful share of flood claims come from properties outside high-risk zones, where no lender required a policy and no owner thought to buy one. Rain-driven flooding does not read the map. If you are inland in Palm City or Tradition, this is the conversation worth having before hurricane season, not during it.
Private Flood Versus NFIP
NFIP caps building coverage at a fixed federal limit, which is not enough for many Treasure Coast homes. Private carriers can exceed it, often add replacement cost on contents, and frequently waive the standard waiting period when a policy replaces an existing one. We quote both so you can see the trade.
Common Questions
How long before flood coverage takes effect?
NFIP policies generally carry a 30-day waiting period. Some private policies bind faster. Either way, buying during a storm watch is too late — carriers stop writing entirely once a system is named.
Does flood insurance cover my belongings?
Only if you buy contents coverage, which is separate from building coverage. Many owners carry one and not the other without realizing it.
Is flood insurance required?
Lenders require it in high-risk zones. Outside those zones it is optional, which is exactly why so many uninsured losses happen there.
Get Your Flood Insurance Quote
Start your quote below and a licensed HBK agent will review it and follow up. Prefer to talk it through? Call (772) 444-8182.
Serving the Treasure Coast
HBK Insurance Group is an independent agency in Stuart, Florida, serving Martin, St. Lucie and Palm Beach counties — Stuart, Palm City, Port Salerno, Jensen Beach, Hobe Sound, Sewall’s Point, Rio, Hutchinson Island, Port St. Lucie, Tradition, Fort Pierce, Jupiter, Tequesta and Palm Beach Gardens.