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Flood Insurance Information

Frequently Asked Questions (FAQs)

The entire state of Florida is in a flood zone.  Depending on where you live in the state, you may be in a higher risk zone than others. You can determine which flood zone in which you live by visiting the FEMA Flood Map Service Center page.  Regardless of which zone you’re in, you’ll need to know a few things. Here are some common questions asked by homeowners and business owners. An answer to each question is below the question.


Q: What chances does my home or business have of being damaged by a flood?

A: Your home has a 26% chance of being damaged by a flood during a 30-year mortgage.  Comparatively, your home has a 9% chance of being damaged by a fire in this time.  Odds are the same for businesses.

Q: I’m in a low-risk flood zone.  Do I need to worry about flood damage?

A: Yes.  More than 1/3 of all claims paid by the National Flood Insurance Program (NFIP) are for houses and businesses that are in low-risk areas.

Q: When should I get flood insurance?

A: Unless you are closing on a home purchase, you will have to wait 30 days from the date of the purchase of a policy to benefit from coverage.  Prepare ahead of time.

Q: Are there any discounts if I buy a flood insurance policy through the same agency through which I bought a homeowners policy?

A: Yes. You qualify for a homeowners discount if you purchase your flood insurance policy through us.

Q: What does a flood insurance policy through Ramey Insurance Agency provide me?

A: A flood insurance policy with $250,000 for the building and $100,000 for personal property costs a maximum of $1.18 per day.

If you would like to know more, please contact us or give us a call. You can also request a quote if you're ready to start on a policy. Let Ramey Insurance Agency design a policy that has the options you need at a price you can afford. We’re experienced and highly trained, and we’re qualified to give you flood insurance that has the most value.

Ramey Insurance is proud to provide flood insurance in Venice, Nokomis, Englewood, Sarasota, Osprey, and North Port, FL. We also serve other areas in the state.

Our Location

Ramey Insurance Agency

4130 Woodmere Park Blvd #9
Venice, FL 34293
Main office: 941-497-2468
Fax: 941-493-5775

Our Providers


Working with Christine at the Ramey Agency has been a great experience. We have a retirement/rental property and it's not always easy to maneuver insurance/coverage matters from out of state. We only wish they had an agency in NJ!
Traci H.
Michelle and Shannon worked so hard, after I was involved in a car accident, and fought the at fault's insurance. They went above and beyond. They made a VERY stressful situation basically disappear. They handled everything for me. When they say "Nationwide is on your side" it is 100% true.
Adrianna L.
I have known Terri and the agents at Ramey Insurance for many years. They have a very dedicated staff that is invested in giving the best service to their clients. They have a very friendly and professional atmosphere in their office that makes customers feel welcome. The staff takes the time to get to know their clients so that they can provide the appropriate coverage at a competitive price. I highly recommend Ramey Insurance.
Tara V.
I have worked with Danielle & Shannon at Ramey Insurance as well as Terri, the owner. All of them have displayed a high level of professionalism and knowledge in the field of insurance. What a great agency to work with!
Lisa S.
I have known the Ramey Agency for years and have nothing but cudos for how they operate their business! Friendly, courteous, knowledgeable, and prompt. If that is what you are looking for in an agency to do business with, look no further! You have found it here!
Ms. Peterson
I have been with Ramey Ins since our move to Florida almost 15 yrs ago and have always been impressed with their ethics and knowledge. I have also recommended them to my friend and neighbors who have joined the Ramey team, not sure where one star man is coming from.
Doris D.