Safeguard Your Home
Flood Insurance
Located in Jupiter. Serving all of Palm Beach & Florida
At Jupiter-Tequesta Insurance, we understand the unique flood risks that come with living in South Florida. From coastal storm surge to flash floods and rising sea levels, homes in Jupiter, Tequesta, Stuart, and beyond face serious water-related threats. A standard homeowners insurance policy won’t cover flood damage, which makes a separate flood insurance policy essential for protecting your property, your belongings, and your financial future.
Whether your home is near the Loxahatchee River, along the Intracoastal Waterway, or in a designated FEMA flood zone, our experienced team will help you navigate your flood risk and find the right policy to fit your needs and budget.
Why Flood Insurance Matters in Palm Beach & Martin County
Flooding is one of the most common and costly natural disasters in Florida. Just one inch of floodwater can cause thousands of dollars in damage to your home. With hurricane season lasting six months each year—and with increasingly frequent and intense storms—flood insurance provides a critical layer of protection for homeowners, condo owners, and property investors in high- and moderate-risk zones.
Whether you’re required by your mortgage lender to carry flood insurance or simply want the peace of mind that comes with full coverage, Jupiter-Tequesta Insurance is here to help.
Why Choose Jupiter-Tequesta Insurance for Homeowners Coverage?
Locally owned, independent agency with deep knowledge of Florida’s flood zones
Personalized, one-on-one service from a licensed local team
Access to both government and private insurance markets
Trusted by homeowners, property managers, and real estate professionals
Fast quotes and annual reviews to keep your policy up to date
Comprehensive Flood Insurance Options
Our agency offers flood insurance through both the FEMA-backed National Flood Insurance Program (NFIP) and private flood carriers. That means more flexibility, faster quote turnaround, and the ability to tailor your policy based on your property’s location, elevation, and risk profile.
Coverage can include:
- Building structure and foundation
- Electrical and plumbing systems
- HVAC equipment and appliances
- Flooring and built-in cabinetry
- Detached garages (up to 10%)
- Personal belongings and contents (optional)
- Loss of use or temporary housing (available with private carriers)
- Elevation certificate assistance
Meet Your Local Insurance Experts
At Jupiter-Tequesta Insurance, our team is made up of local professionals who live and work in the same communities we serve. We’re not a call center—we’re your neighbors. Our clients appreciate the personal, attentive service they receive from every member of our team, and it shows in our reviews:
“Absolutely the best customer service! I called and was able to speak directly with a knowledgeable agent who took the time to answer all of my questions. I now have flood insurance and peace of mind.” – Sarah R.
“This team makes everything easy—from quoting to binding coverage. They really care and provide excellent communication throughout.” – Michael D.
“Fast, friendly, and local. I had no idea flood insurance could be so affordable until I talked with them.” – Joanna W.
We’re proud to be a trusted resource for families, retirees, and business owners throughout Palm Beach, Martin County and throughout Florida. Whether you’re insuring your primary residence, a second home, or a rental property, we’ll guide you every step of the way.
Request Your Flood Insurance Quote Today
Don’t wait until a storm is in the forecast. Contact Jupiter-Tequesta Insurance today to request a fast, personalized flood insurance quote. We’ll walk you through your options, explain FEMA zone changes if applicable, and make sure your property is properly protected from the unexpected.
Frequently Asked Questions About Flood Insurance in Palm Beach & Martin Counties
Q: Do I really need flood insurance in Jupiter or Tequesta?
A: Yes. Standard homeowners insurance does not cover flood damage. With South Florida’s heavy rains, hurricanes, and storm surge risks, flood insurance is strongly recommended for homeowners in Jupiter, Tequesta, Palm Beach Gardens, and Stuart.
Q: Is flood insurance required in Palm Beach or Martin County?
A: If you live in a FEMA-designated flood zone or have a federally backed mortgage, flood insurance is mandatory. Even if it’s not required, properties in Hobe Sound, North Palm Beach, and Jensen Beach often face flooding risks and benefit from added protection.
Q: How much does flood insurance cost in Florida?
A: Premiums depend on factors like flood zone, property elevation, and coverage limits. Coastal homes in Palm Beach Island, Riviera Beach, and Jensen Beach may pay more than inland properties. We compare carriers and FEMA’s National Flood Insurance Program (NFIP) to find the best rate.
Q: Does flood insurance cover hurricane storm surge?
A: Yes. Flood insurance covers damage from storm surge, rising water, and heavy rains — risks that come with hurricanes in Palm Beach and Martin Counties.
Q: Can I bundle flood insurance with my home policy?
A: Flood policies are usually separate, but we coordinate your coverage so you’re protected across all risks. Many clients in Jupiter, Tequesta, and Palm Beach Gardens bundle home, flood, and hurricane policies for complete peace of mind.