Volusia County
Insurance Agency in Edgewater, FL
Edgewater sits on the mainland shore of the Indian River North, where the Intracoastal Waterway separates the city from the barrier island and Ponce de Leon Inlet lies to the north.
Indian River HomesZIP 32132Edgewater Homes Along the Indian River North
Florida Shores, the older Hawks Park area, and the homes along Riverside Drive facing the Indian River North differ in roof age, elevation, and distance to the water. A $375,000 dwelling limit puts the 2% hurricane deductible at $7,500 and the 10% option at $37,500. We show both amounts for every carrier we quote, so you choose with the numbers in hand.
The Indian River North drives flood risk here, though Volusia’s 2018 plan placed only 8.0% of Edgewater parcels in the 100-year floodplain. The city holds CRS Class 6, worth 20% off NFIP premiums. Each home gets an NFIP price and a private flood price before you choose.
For an Edgewater purchase, we ask your realtor for any existing elevation certificate, then send flood and home quotes to your lender before the inspection period ends.
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Home, Auto, and Flood Insurance in Edgewater, FL
Edgewater faces the Indian River North with established neighborhoods and private docks, so these cards cover roof deductibles, flood elevation, riverfront condos, and boat liability.
Homeowners Insurance
Some carriers add a roof deductible to Edgewater policies, capped at 2% of the dwelling limit or half the roof replacement cost, whichever is less. Signing an approved rejection form removes it.
Flood Insurance
FEMA now rates an Edgewater flood policy partly on first-floor height. An elevation certificate is optional, and for a raised home near the Indian River North it shows whether the premium drops.
Hurricane Coverage
Edgewater recorded 19.02 inches of rain in Ian. Some insurers ask you to report or keep receipts for hurricane damage below your deductible, since it counts toward the same year’s later storms.
Auto Insurance
An Edgewater car parked on low ground in a storm like Ian is covered for floodwater only by other-than-collision coverage. Florida’s required PIP and property damage liability pay nothing for it.
Condo Insurance
Riverfront condo buildings in Edgewater may carry an association RCBAP flood policy, and it pays first. Your own NFIP unit policy is excess, and the two together stop at $250,000 for your unit.
Umbrella Insurance
Florida law does not generally require liability insurance on a recreational boat, so an Edgewater boater on Mosquito Lagoon may have none. We quote boat liability, then extend your umbrella over it.
Local Answers
Edgewater Flood History and Coverage Answers
Yes. Edgewater incorporated in 1915 as the Town of Hawks Park and took its name in 1924. Its CRS Class 6 rating takes 20% off NFIP premiums.
Mostly rain. A gauge 2.4 miles north of Edgewater logged 19.02 inches, and NHC says inland flooding in Volusia County came mostly from rainfall.
Yes. Volusia’s 2018 floodplain plan lists Hurricane Erin on Aug. 3, 1995, affecting 31 Edgewater parcels with $65,052 in damage.
644 buildings on 899 parcels, according to Volusia County’s 2018 floodplain management plan, which counted about 8% of the city’s parcels in that zone.
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