St. Johns County
Insurance Agency in Julington Creek, FL
This corner of St. Johns County takes its name from Julington Creek, which crested above major flood stage alongside Durbin Creek when Hurricane Irma passed through in September 2017.
Creekside Home CoverageJulington CreekWhat Creekside Julington Creek Homes Need From Coverage
Julington Creek Plantation, the Durbin Creek banks near Racetrack Road, and the creekfront lots at the Duval County line hold roofs of many different ages. A carrier may add a separate roof deductible of up to 2% of the dwelling limit. On a $450,000 home, that ceiling is $9,000. We flag which carriers attach one so you can compare quotes with and without it.
Both creeks passed major flood stage in Irma. The Durbin Creek gauge at Racetrack Road reached 6.69 feet against a 5-foot major stage. St. Johns County’s CRS Class 5 rating takes 25% off NFIP premiums, and we set NFIP and private flood quotes side by side.
When you go under contract in Julington Creek, we send the binder and any flood declarations straight to your lender and keep your realtor copied through closing.
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Home, Auto, and Flood Insurance in Julington Creek, FL
Julington Creek homes mix aging roofs with creek and tributary flood exposure, so these cards cover the roof, NFIP pricing, and wind credit rules that apply here.
Homeowners Insurance
Plenty of Julington Creek Plantation roofs have passed 15 years. State law bars a refusal on roof age alone if an authorized inspector finds five or more years of useful life left.
Flood Insurance
A Julington Creek home still gliding toward its full-risk NFIP rate can see most premiums rise no more than 18% a year under federal law. We show where your premium sits on that path.
Hurricane Coverage
If you re-roof a Julington Creek home to FORTIFIED standards, the certificate can prove roof covering, deck attachment, roof-to-wall, sealed deck, and opening answers on the 2026 state form.
Auto Insurance
Julington Creek drivers can register a car with only $10,000 of PIP and $10,000 of property damage liability, since Florida sets no bodily injury minimum. We quote bodily injury limits anyway.
Condo Insurance
Julington Creek condo owners hit with a storm assessment have until the later of one year after the loss or 90 days after the association’s vote to notify their insurer, and three years at most.
Umbrella Insurance
A visiting college student who borrows your SUV in Julington Creek can leave you owing up to $100,000 per person, $300,000 per crash, and $50,000 in damage. Umbrella limits start above that.
Local Answers
Julington Creek Flood and Roof Answers
5.35 feet above mean higher high water on Sept. 11, 2017, a record at the Old St. Augustine Road gauge and nearly double its major flood stage.
Yes, by signing the state-approved rejection form, at new business or whenever a carrier adds the deductible at renewal. Without that signature, the deductible applies.
Thirty days after purchase for a new NFIP policy. Buying it with a home loan closing or refinance removes the wait, so coverage starts at closing.
Third. The creek reached 2.91 feet at Old St. Augustine Road on Nov. 10, 2022, behind Irma and Matthew and just over the 2.7-foot major stage.
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Quote My Julington Creek Home
A licensed agent answers form requests and calls within one business day with roof, wind, and flood figures.