Sewall’s Point is a peninsula town almost entirely surrounded by water — the Indian River Lagoon on one side and the St. Lucie River on the other — making it one of the most flood- and wind-exposed communities on the Treasure Coast. A large share of properties here fall within FEMA Special Flood Hazard Areas such as AE and VE, where flood insurance is required for any mortgaged home, and waterfront elevation and proximity to water heavily influence both flood and windstorm pricing. For Sewall’s Point’s many high-value waterfront homes, this means dwelling limits need to reflect today’s elevated rebuild costs, and umbrella liability should be sized to protect significant assets. HBK Insurance Group is an independent agency that compares NFIP and private flood options (private markets often provide higher limits than the NFIP cap), reviews elevation certificates where they help, and identifies wind mitigation credits to offset premiums on exposed coastal construction. We also coordinate boat, auto, and excess liability coverage. Based in nearby Stuart and serving all of Martin County, we shop multiple carriers to protect waterfront property owners in Sewall’s Point. Call (772) 444-8182 for a free coverage review.
Sewall's Point is a peninsula town surrounded by the St. Lucie River and Indian River Lagoon. Virtually every property has significant flood and windstorm exposure. High-value waterfront estates are the norm. FEMA flood zones AE and VE cover most of the town.
