Clay County
Insurance Agency in Fleming Island, FL
Fleming Island is nearly one-third water by Census measure, with Doctors Lake, Black Creek, and the St. Johns River around it, and Irma sent Black Creek to a record crest upstream in 2017.
Lakefront Home CoverageZIP 32003Insuring a Home on Fleming Island’s Waterfront
Homes in Eagle Harbor, Fleming Island Plantation, and along the Doctors Lake shoreline run from golf course houses to lakefront properties with docks. Picture a $450,000 dwelling limit with a 5% hurricane deductible. That is $22,500 you would pay before the carrier pays on a hurricane claim. We line it up against the other deductible choices for every carrier we quote.
Clay County names Doctors Lake, Black Creek, and the St. Johns River as exposed to hurricane storm surge. Fleming Island is unincorporated, so the county’s CRS Class 6 rating applies, a 20% NFIP discount. You see NFIP and private flood options together before picking one.
Buying on Fleming Island, you can hand us your lender’s insurance checklist and your realtor’s closing date. We return the binder and flood quote in time for both.
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Home, Auto, and Flood Insurance in Fleming Island, FL
With Doctors Lake, Black Creek, and the St. Johns around it, Fleming Island raises flood displacement and storm deductible questions. Each card below covers one rule.
Homeowners Insurance
A Fleming Island roof 15 years or older stays insurable when an authorized inspection shows at least five years of useful life left. You pay for that inspection, and we send it to each carrier.
Flood Insurance
The NFIP pays nothing toward a hotel or rental while a flooded Fleming Island home is repaired. A private flood policy written on Florida’s preferred basis must include living expenses.
Hurricane Coverage
A tropical storm that crosses Fleming Island without ever reaching hurricane status generally leaves your hurricane deductible untouched. Your all-other-perils deductible applies instead.
Auto Insurance
Fleming Island drivers hurt in a crash on U.S. 17 must get initial medical care within 14 days for PIP to pay medical benefits at all. We explain that deadline when you buy the policy.
Condo Insurance
Florida law leaves the HO-6 decision to Fleming Island condo owners, though a lender or the declaration can require one. Without it, walls-in items like water heaters go uninsured.
Umbrella Insurance
A boating guest hurt off your Fleming Island dock has two years to sue for negligence under Florida law. Umbrella coverage adds limits over your home and boat liability for that claim.
Local Answers
Fleming Island Water and Wind Answers
About 31%. The Census counts 18.87 square kilometers of water against 41.02 square kilometers of land inside the Fleming Island CDP.
30.52 feet at Middleburg on Sept. 12, 2017, a record and far above the 18-foot major stage. The creek meets the St. Johns beside Fleming Island.
2%, 5%, and 10% of the dwelling limit once it reaches $250,000. On $450,000, those come to $9,000, $22,500, or $45,000.
Yes. Two volunteer rain gauges at Fleming Island logged 9.45 and 10.55 inches during Matthew in October 2016, per NHC’s Matthew report.
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Quote My Fleming Island Home
Phone us or send the form, and a licensed agent responds within one business day with numbers for your Fleming Island home.