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Flood Insurance in Jacksonville, FL

As a home or condo owner, you may think your homeowners insurance has you covered from most natural disasters; unfortunately, it doesn’t. Florida may experience flooding disasters because of hurricanes, so flood-related damage can be a risk. Get insured. It’s better to be prepared than sorry.


At Jim White Insurance, Inc., located in Jacksonville Florida, we know you’ve invested a lot of time and money in your personal property and keepsakes. A flood insurance policy will cover the cost of replacing your valuables from any flood-related damage.


Here are some tips to prevent damage or injury during the flood season:

  • Purchase flood insurance  for your home, business and its contents
  •  Keep your possessions somewhere safe
  • Prepare your home to make sure it is ready, if a disaster happens.
  • Have a family emergency plan.

Flood insurance is available through the federal government’s National Flood Insurance Program; however, it’s a better bet to purchase a flood insurance policy from the same agent or company who provides you with your home insurance. Here’s why: your agent or current insurance company can provide much higher limits of coverage than the NFIP, especially if your loss proves to be catastrophic. There is usually a 30-day waiting period before this type of insurance becomes valid.


Below are the Preferred Risk Policy rates for Jacksonville:

Bldg. and Cont. Premium:

$20,000 $8,000 $129

$30,000 $12,000 $183

$50,000 $20,000 $240

$75,000 $30,000 $281

$100,000 $40,000 $312

$125,000 $50,000 $334

$150,000 $60,000 $356

$200,000 $80,000 $390

$250,000 $100,000 $414


Specialists from Jim White Insurance, Inc. are committed to working with you to design a policy that ensures that you get the options you want at a price you can afford.

Our Location

Jim White Insurance, Inc.

Jim White Insurance, Inc.

1840 Dunn Avenue, Suite 6
Jacksonville, FL 32218
Main office: 904-770-4760
Fax: 904-751-6519

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 1:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
- Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
- Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
- Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.
- Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
- Susan T.