Hendrickson Insurance
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FloodSmart.gov quote. Florida and North Carolina

You have a FloodSmart quote.
Send it here and it gets done right, at the same price.

If FloodSmart.gov gave you a flood insurance estimate and listed Hendrickson Insurance as one of your agencies, this is the page for you. Dennis Hendrickson writes the same National Flood Insurance Program policy through Wright Flood, the largest NFIP carrier in the country. The federal government sets the rate, so the number does not change. What changes is that a person who has handled flood claims through two Gulf Coast hurricane seasons checks the application, sets up the payment plan, and tells you plainly whether the federal cap is enough for your house.

Send my FloodSmart quote Call 941-957-2796
Quick answer

Will the price be different through an agent? No. NFIP premiums are set by FEMA and are identical whether you buy on FloodSmart.gov or through any agent (FEMA). What is different? Through an agent the policy can usually go on a payment plan instead of the full year up front; the rating details that decide a claim (foundation, lowest floor, enclosure use, replacement cost) get checked by a person; and when the house is worth more than the NFIP's $250,000 building and $100,000 contents caps, the private excess layer gets placed alongside it, which the portal cannot do. What do I send? The FloodSmart estimate, the property address, and the elevation certificate if you have one. Call or text 941-957-2796, email dennis@hendricksonins.com, or use the button above. Dennis answers the same business day in most cases.

Key facts, for quick reference
What happens next

Three steps, and the policy is in force on the same terms FloodSmart quoted.

01
Send the quote

The FloodSmart estimate (a screenshot is fine), the property address, and an elevation certificate if one exists. Use the button, text 941-957-2796, or email dennis@hendricksonins.com.

02
Dennis checks it

Foundation type, lowest floor, enclosure use, replacement cost, prior claims. If the estimate was built on a wrong answer, you find out now, not when an adjuster is standing in the house. If the cap is short of what the house would cost to rebuild, you hear what the excess layer costs.

03
Bind and pay your way

The policy is written through Wright Flood at the federal rate, on a payment plan where available. A new policy generally has a 30-day waiting period; a policy tied to a mortgage closing can take effect at closing.

Florida or North Carolina

Both states, one agent, the same federal program.

Hendrickson Insurance is based in Sarasota and writes flood for homes and commercial buildings across the Florida Gulf Coast and in North Carolina. Florida detail, including the Citizens flood requirement and the hurricane-deductible interplay, is on the Florida flood insurance page. North Carolina detail, including what Helene did to counties the maps called low risk, is on the North Carolina flood insurance page. A home worth more than the federal cap goes to excess flood.

About the author

Dennis Hendrickson is the owner of Hendrickson Insurance in Sarasota, Florida, licensed general lines agent, FL License E095547, and the only person who touches your file. Sources used on this page: FEMA, NFIP Agency Registry; FloodSmart, buy a policy (coverage limits and waiting period); North Carolina Department of Insurance, Advisory Memorandum, November 5, 2026; Wright Flood. Last reviewed November 8, 2026.

Questions people ask with a quote in hand

FloodSmart quote to policy, answered plainly.

FEMA's quote tool shows every person who gets an estimate the contact information for three agencies selected at random from its Agency Registry, so you can buy the same policy with an agent's help instead of alone online. The price is the same either way.
No. You can buy directly on FloodSmart.gov, use one of the three, or use any registered agent. If you use Hendrickson Insurance, the premium FloodSmart quoted is the premium you pay.
Usually, through an agent. The direct portal requires the full annual premium up front. Payment plan availability depends on the carrier and the policy, and Dennis will tell you what applies to yours.
Not by negotiating; the rate is federal. But the rate depends on how the property was described. A wrong foundation type, floor count or replacement cost can move it, and an elevation certificate sometimes lowers it. That is what the check is for.
No. The federal policy stops at $250,000 on the building and $100,000 on contents. The difference is covered by private excess flood placed alongside the NFIP policy. Dennis quotes both together.
A new NFIP policy generally takes effect 30 days after purchase. A policy bought in connection with a mortgage closing takes effect at closing when the application and payment are in on time.
Same quote, same price, set up by someone who reads the form.

Call or text 941-957-2796, or send the declarations pages. Dennis answers the same business day in most cases.

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Why Hendrickson Insurance. Sarasota, Florida
One agent. Both lines. Every point played.

Dennis Hendrickson changed a New Jersey state tennis rule at 17 and played four years of Division I tennis at UNC Charlotte. Today he writes both the commercial and the personal insurance for Gulf Coast owners himself, and he works a renewal or a claim the way he played: nothing conceded, no point given away.

When you apply, he answers. Every application goes straight to Dennis. He reads it himself and responds the same business day in most cases, always within 48 hours.

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