Home insurance in Martin County, Florida
Martin County (Stuart is the county seat) had about 165,666 residents in 2024 per Census estimates. It is a coastal county on the Atlantic side in the Treasure Coast. Frances and Jeanne (2004) both made landfall at the southern end of Hutchinson Island near Sewall’s Point.. Roof age, wind mitigation and flood drive most quotes here.
County seat StuartPopulation (2024 est.) 165,666Setting Coastal (Atlantic)Region Treasure Coast
How many people live in Martin County?
The Census Bureau's Vintage 2024 estimate puts Martin County at 165,666 residents. That is up about 4.6% from the April 2020 base estimate of 158,430, making it Florida's 33rd most populous county.
How have hurricanes affected Martin County homes?
Frances and Jeanne (2004) both made landfall at the southern end of Hutchinson Island near Sewall’s Point.
Underwriters remember these events. Coastal location changes which part of that history matters most for your home.
None of Florida's 100 most populous cities are in Martin County, but we quote homes countywide, including Stuart.
What building code rules affect Martin County roofs and windows?
Parts of the county, especially areas near the coast, fall in the Florida Building Code's wind-borne debris region, where new construction needs impact-rated openings or shutters. Your building department can confirm whether a given address is inside it.
The statewide Florida Building Code took effect March 1, 2002. Homes permitted after that date, or with later roof and window permits, usually document better on a wind mitigation inspection. Older homes may also need a 4-point inspection.
Shopping for home insurance in Martin County? Your request goes only to Nymble Insurance, a licensed Florida agency. We quote every applicant and compare options on matching coverage.
Start a private quote Call (813) 291-3484What should Martin County homeowners know before shopping?
Waterfront homes along the St. Lucie River and the islands carry most of the exposure.
Many Martin County homeowners are with Citizens or have received a takeout offer. Agencies quoting the same carrier use the same filed rates, so compare coverage line by line before price.
What is the flood risk in Martin County?
Key water: St. Lucie River, Indian River Lagoon, Hutchinson Island, Jupiter Island.
FEMA flood maps here include coastal high-hazard V zones and A zones along the St. Lucie River and other shorelines, plus X zones farther inland. Storm surge is flood, not wind, so it is only covered by a separate flood policy. Check your address on the FEMA Flood Map Service Center.
Frequently asked questions
Is FMAP.insure the official FMAP for Martin County?
No. FMAP.insure is a private website run by Nymble Insurance LLC. The official, free FMAP referral service is at fmap.org. Requests here go only to Nymble Insurance.
Can Nymble Insurance quote my Martin County home?
Yes. Nymble Insurance is a licensed Florida agency (L131669) and quotes homeowners across Martin County and the rest of Florida. Every applicant gets a quote request reviewed.
Does my homeowners policy cover storm surge in Martin County?
No. Storm surge is flood, which homeowners policies exclude. You need a separate flood policy through the NFIP or a private flood insurer.
Are there wind-borne debris rules in Martin County?
Parts of the county, especially areas near the coast, fall in the Florida Building Code's wind-borne debris region, where new construction needs impact-rated openings or shutters. Your building department can confirm whether a given address is inside it.