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Serving Stuart and all of Martin County

Home Insurance in Stuart, FL

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A Stuart home gets quoted on four things: the roof, the wind features, the hurricane deductible and the flood map. One call to (772) 218-7676 puts your house in front of several companies, with same day quotes side by side, and asking changes nothing on the policy you have now.

Stuart sits in Martin County, along the St. Lucie River and just west of the Indian River Lagoon, as the City of Stuart puts it. Water on two sides and a long hurricane record are exactly why comparing companies pays off here.

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01Carriers

Home Insurance in Stuart, FL: The Storm Record Every Company Reads

Companies price a Stuart house knowing what has come ashore nearby. The National Hurricane Center's own reports spell it out.

Frances and Jeanne, 2004

The Hurricane Frances report records landfall over the southern end of Hutchinson Island, Florida, on September 5, 2004, as a Category 2 hurricane. The Hurricane Jeanne report records the center of Jeanne's eye crossing the coast at the southern end of Hutchinson Island just east of Stuart on September 26, 2004, and a swath of hurricane force winds from near Cape Canaveral southward to near Stuart.

The Declarations Since

FEMA's records list Martin County in major disaster declarations for Hurricanes Frances and Jeanne (2004), Wilma (2005), Hurricane Matthew (2016), Irma (2017), Dorian (2019), Ian and Nicole (2022) and Milton (2024). That history is why the wind section of a Stuart policy deserves a line-by-line read at every renewal.

Up nextWind: Where a Stuart Quote Moves the Most

Why it matters

Stuart and Martin County homes by the numbers

  • 19,451Stuart residents (Census estimate, July 1, 2025)
  • 58.9%of occupied Stuart homes are owner-occupied (2020-2024)
  • $329,400median value of an owner-occupied Stuart home (2020-2024)
  • $432,200median owner-occupied home value, Martin County (2020-2024)

Data: U.S. Census Bureau QuickFacts. Last updated .

02Service area

Wind: Where a Stuart Quote Moves the Most

Wind coverage, its deductible and the features that earn credits make the biggest difference on a Stuart premium, and each one can be checked before you buy.

Wind Mitigation Credits

Florida law requires residential property rate filings to include discounts, credits or other rate differentials for windstorm mitigation features, such as roof covering performance, roof-to-wall strength and opening protection, under s. 627.0629, Fla. Stat.. A wind mitigation report is how a house proves those features. See 4-point and wind mitigation inspections.

The Hurricane Deductible

The insurer must offer hurricane deductible options before the policy issues, and the dollar amount of the deductible you choose appears on your declarations page under s. 627.701, Fla. Stat.. Comparing quotes with the deductibles lined up is the only fair comparison. The hurricane deductibles guide shows how the options work.

Your Lot's Own Wind Speed

Design wind speed is set site by site. The City of Stuart Building Division points owners to their site-specific wind zone, and Martin County's property information lookup shows a selected parcel's building wind speed alongside its flood zone.

Up nextFlood: Check the Map Before You Assume

03The details

Flood: Check the Map Before You Assume

Most homeowners policies do not cover flood, and a Stuart address near the river or the lagoon makes the flood question worth five minutes.

Find Your Zone

Martin County's flood protection page explains how to look up a home's zone on the county's FEMA flood zones map, and notes that Martin County has most elevation certificates on record for homes built after 1991 in a Special Flood Hazard Area. The FEMA Flood Map Service Center is the official map source. The county also points out that flood zones are not the same as evacuation zones.

Stuart and the Flood Program

The City of Stuart participates in the National Flood Insurance Program, and its current effective flood map dates from February 19, 2020, according to FEMA's Community Status Book. Martin County is a Class 5 community in FEMA's Community Rating System, and the county says that rating applies to unincorporated Martin County residents. The City of Stuart is not on FEMA's April 2026 list of rating communities, so ask about flood pricing for the address itself.

Buy It Early

FEMA says an NFIP policy typically has a 30-day waiting period before it takes effect, with exceptions. Flood coverage bought when a storm is already on the map usually starts too late. See flood insurance in Port St. Lucie for how flood policies compare.

Up nextRoof Age: An Older Stuart Roof Does Not Have to Mean a Refusal

04The details

Roof Age: An Older Stuart Roof Does Not Have to Mean a Refusal

Under s. 627.7011, Fla. Stat., an insurer may not refuse to issue or renew a homeowner's policy solely because of the age of a roof less than 15 years old. For a roof 15 years or older, the insurer must allow an inspection by an authorized inspector, at the homeowner's expense, before requiring replacement, and if it shows 5 or more years of useful life left, roof age alone cannot be the reason it refuses. The roof age guide has the detail.

Up nextFacts About Your Stuart House Worth Having Ready

05The details

Facts About Your Stuart House Worth Having Ready

A quote built on real facts does not have to be redone. These come from official Stuart and Martin County sources:

  • Fire protection. The City of Stuart says its Fire Rescue Department holds an ISO Class 1 Public Protection Classification, first earned in 2019. Mention a city address when you call.
  • Property records. The Martin County Property Appraiser finds real property records by parcel ID, account number, subdivision, address or owner name.
  • Evacuation zone. Martin County uses storm surge evacuation zones AB, CD and E, and residents of mobile and manufactured homes are included in every evacuation order wherever they live.
  • Condo owners. The association's master policy excludes items inside the unit, so the unit owner insures them; see condo insurance.
Up nextStuart Home Insurance Questions

06Questions

Stuart Home Insurance Questions

Still wondering?

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(772) 218-7676Request a quote online
Do you quote homes in Stuart even though it is in Martin County?

Yes. The quote, the documents and the paperwork move by phone and email, so a Stuart home is handled the same way as one in Port St. Lucie.

Does my Stuart homeowners policy cover flood?

Usually not. Most homeowners policies exclude flood, so it is a separate policy. Check your zone on Martin County's flood map, and remember the typical 30-day waiting period.

My Stuart roof is older than 15 years. Can I still get a policy?

Often, yes. The insurer must allow a roof inspection before it can require replacement, and an inspection showing 5 or more years of useful life left means roof age alone cannot be the reason for a refusal.

Why does the hurricane deductible matter so much in Stuart?

Because it is the part of a wind claim you pay first, and it is chosen when the policy is written. Lining up the deductibles is the only way to compare two Stuart quotes fairly.

What do you need from me to start?

The address, the roof year, and your current declarations page if you have one. Upload it on the quote form or call (772) 218-7676.

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