Home insurance in Palm Beach Gardens, Florida
Palm Beach Gardens is in Palm Beach County, with about 63,284 residents (Census 2024 estimate). Built from the 1960s with many gated golf communities. For insurance, that means wind and heavy-rain exposure more than surge, with roof age and wind mitigation driving most quotes.
County Palm Beach CountyPopulation (2024 est.) 63,284Florida rank #47Water exposure inland
Do I need flood insurance in Palm Beach Gardens?
Most of Palm Beach Gardens is mapped outside high-risk coastal zones, but local A zones and drainage flooding still occur. A homeowners policy excludes flood; check your address at the FEMA Flood Map Service Center.
What should Palm Beach Gardens homeowners know about local risk?
Built from the 1960s with many gated golf communities.
Carriers look at the specific address: flood zone, construction type, year built and roof permit history.
Is Palm Beach Gardens growing?
Palm Beach Gardens ranks #47 among Florida cities by population in the Census Bureau's Vintage 2024 estimates, at 63,284 residents, up about 6.9% from the April 2020 estimates base of 59,176.
Shopping for home insurance in Palm Beach Gardens? 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) 291-3484How does home age affect Palm Beach Gardens insurance?
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.
Homes built or re-roofed after the statewide Florida Building Code took effect in 2002 tend to document better on a wind mitigation report; older homes may need a 4-point inspection.
Which hurricanes have affected Palm Beach Gardens?
At the county level: The 1928 Okeechobee hurricane made landfall in Palm Beach County; Frances and Jeanne (2004) and Wilma (2005) caused widespread damage.
Even without surge, heavy rain and wind-driven damage are the typical claims.
Frequently asked questions
Is FMAP.insure affiliated with FMAP or the City of Palm Beach Gardens?
No. FMAP.insure is run by Nymble Insurance LLC, a licensed Florida agency. It is not FMAP, Citizens, or any government. The official FMAP is at fmap.org.
Who will see my information if I request a quote for my Palm Beach Gardens home here?
Only Nymble Insurance. We do not sell your request or pass it to other agencies. Carriers we quote with receive the details needed to quote.
Can you quote a Palm Beach Gardens home that is with Citizens?
Yes. We quote every applicant, including Citizens policyholders and homeowners with takeout offers, and compare options on matching coverage.
Back to Palm Beach County home insurance · Nearby: West Palm Beach, Boca Raton, Boynton Beach, Delray Beach, Wellington, Jupiter