Volusia County
Insurance Agency in Ormond Beach, FL
Ormond Beach spans the barrier island and the mainland across the Halifax River, where a NOAA gauge on the Tomoka River set a record crest of 17.08 feet after Hurricane Ian.
Tomoka River HomesZIP 32174Insuring Ormond Beach Across the Halifax River
Beachside condos east of the Halifax, the Granada Boulevard core, The Trails, and the Tomoka River banks near Tomoka State Park all price differently for wind and water. On a $500,000 dwelling limit, a 5% hurricane deductible is $25,000, while the 2% option is $10,000. We lay out both amounts with each carrier’s premium so the tradeoff is plain before you sign.
Water reaches homes here from the Halifax and Tomoka rivers and creeks such as Thompson Creek, and Volusia’s 2018 plan put 22.9% of city parcels in the 100-year floodplain. Ormond Beach holds CRS Class 5, a 25% NFIP discount. We quote NFIP and private flood together.
We work from your lender’s insurance checklist and your realtor’s contract dates, so the Ormond Beach binder and flood policy reach the title company before closing day.
Coverage We Write Here
“The absolute best insurance agency around. They are responsive, provide excellent options, and stay in touch until you are satisfied. I wouldn't go anywhere else for my insurance needs.”
Sandi Burner · Google review
Coverage We Write
Home, Auto, and Flood Insurance in Ormond Beach, FL
Ormond Beach pairs beachside condos with mainland homes on the Tomoka and many seasonal residents, so these cards cover claim deadlines, private flood, and out-of-state drivers.
Homeowners Insurance
Ian dropped more than 16 inches of rain near Ormond Beach. Florida requires notice of a new claim within 1 year of the loss, and notice of a supplemental claim within 18 months.
Flood Insurance
Ormond Beach homes on the Halifax or Tomoka can carry NFIP or private flood. Florida law recognizes five private flood types, including flexible policies limited to the mortgage balance.
Hurricane Coverage
For an Ormond Beach home, one hurricane deductible covers every hurricane in a calendar year with the same insurer. A second storm uses the unused balance or the regular deductible, if higher.
Auto Insurance
Seasonal residents who keep a car in Ormond Beach more than 90 of any 365 days must carry Florida PIP and property damage liability, even with out-of-state plates and an out-of-state policy.
Condo Insurance
Special assessments for structural reserves or repairs at an Ormond Beach beachside condo are not loss assessments, so the loss assessment coverage on your HO-6 will not pay them.
Umbrella Insurance
Operators born on or after Jan. 1, 1988 need a Florida boating safety ID card to run 10 horsepower or more on the Tomoka or Halifax. An Ormond Beach umbrella can extend over that boat liability.
Local Answers
Ormond Beach Flood and Coverage Answers
Yes. Its three highest crests at the Holly Hill gauge are 17.08 feet after Ian in 2022, 15.39 feet in 2024, and 14.62 feet in 2004.
Not the NFIP, which pays no additional living expenses. Private flood written on Florida’s preferred form adds them, so we price both for Ormond Beach homes.
Only if no authorized insurer offers comparable coverage within 20% of the Citizens premium. That test has applied to second homes at renewal since July 1, 2024.
Yes. A volunteer gauge near Ormond Beach logged 17.20 inches in Milton in October 2024, NHC reports, against 16.59 inches at a nearby station during Ian in 2022.
Get Started
Quote My Ormond Beach Home
Phone us or send the form. A licensed agent gets back to you within one business day with Ormond Beach options.