Updated October 30, 2026.

We’re an independent insurance agency in Gainesville, in business since 1983. Florida agency license L055907, held by Lee C. McGriff and Mack Williams Insurance Agency, Inc. We work with Jacksonville and Northeast Florida homeowners, including St. Johns County, by phone, email and video. This guide covers the home insurance questions families in Julington Creek Plantation tend to ask. For the wider area, see our Jacksonville home insurance page and our Nocatee and St. Augustine home insurance guides.

About Julington Creek Plantation

Julington Creek Plantation is in northwest St. Johns County, about twenty miles south of downtown Jacksonville. Its community development district (CDD) was established on August 15, 1994, covers about 4,120 acres and includes about 5,800 homes, along with more than 100 lakes and about 1,200 acres of nature preserve (Julington Creek Plantation CDD; District Overview). The district also includes River Oaks Plantation, and some Julington Creek neighborhoods that existed before the district was created voted not to join it.

Julington Creek Plantation is in St. Johns County, so St. Johns County’s flood maps, evacuation zones and building department records apply to your home, and insurers rate homes by exact location. When you ask for a quote, give us your full street address, not just “Julington Creek.”

The CDD operates and maintains community facilities. Your homeowners policy covers your own home, your belongings and your personal liability, so the questions below are about your house and household.

Roof age on homes from the 1990s and 2000s

Most homes in the community were built in the 1990s and 2000s, so many are old enough that the original roof has been replaced, or will be soon. Under Florida law, an insurer may not refuse to issue or renew a homeowners policy solely because the roof is less than 15 years old. If the roof is at least 15 years old, the insurer must let you have it inspected by an authorized inspector (one the insurer approves), at your expense, before requiring a new roof, and it can’t refuse to issue or renew solely because of roof age if the inspection shows at least 5 years of useful life left (section 627.7011(5), Florida Statutes). Insurers can still decline a home for other lawful reasons.

Roof age generally counts from when the entire roof was last built or replaced under the building code in effect at the time. Keep the permit and invoice for any roof replacement, along with records of updated electrical, plumbing, water heater, and heating and air conditioning. On older homes, many insurance companies ask for a 4-point inspection of the roof, electrical, plumbing, and heating and air conditioning. The age at which they ask varies by company, and the condition of those systems can affect whether a company offers coverage and on what terms.

Wind mitigation and hurricane deductibles

Julington Creek Plantation is inland from the beaches, but homes here can still have wind damage from tropical storms. Florida law requires residential property insurers’ rate filings to include actuarially reasonable discounts, credits or other rate differentials, or deductible reductions, for features shown to reduce wind damage (section 627.0629, Florida Statutes). The amount varies by insurance company and by home. A wind mitigation inspection documents features such as roof deck attachment, roof to wall connections, roof shape and opening protection on the state’s form OIR-B1-1802 (Florida Office of Insurance Regulation). The inspection may be at your own cost. The form says a report is valid for up to 5 years as long as no material changes are made to the home and nothing on the form is found to be inaccurate, so it’s worth getting a new report after a new roof or new shutters.

Your hurricane deductible is usually a percentage of the dwelling limit. Know the dollar amount ahead of time, not after a loss.

Flood: lakes, creeks and Zone X

Homeowners policies generally don’t cover flood, so flood coverage is a separate policy. Our St. Johns County flood zones guide found that of 3,921 residential parcels recorded under the Julington Creek Plantation subdivision name, only 2 have their main building in a high risk flood zone. Across the Fruit Cove Census community, 90 of 10,674 residential parcels were in high risk zones, and FEMA letters still in effect cover 67 of those 90.

A low risk map doesn’t mean no risk. The community is built around lakes and near Julington Creek, and heavy rain can cause flooding outside mapped zones. Check your own address on FEMA’s Flood Map Service Center, and look up your evacuation zone with St. Johns County’s My Evacuation Zone Locator. Your evacuation zone is not your flood zone. An NFIP policy usually takes effect 30 days after you apply and pay the premium, with some exceptions (44 CFR 61.11).

As of the 2026 Florida Statutes, if your home is insured by Citizens Property Insurance Corporation, Florida’s state-created insurer, section 627.351(6)(aa), Florida Statutes, requires flood coverage for Citizens personal lines residential policies effective on or after January 1, 2027, or earlier for a home in a FEMA special flood hazard area or with a dwelling replacement cost of $400,000 or more. Policies that don’t cover wind and policies written on a condominium unit owners form are exempt. See our Citizens flood requirement page.

Coverage amounts after years in the home

Many families in established neighborhoods have renovated kitchens, added pools or screened enclosures, or finished bonus rooms since they bought. Your dwelling limit should reflect what it would cost to rebuild the home today, not the purchase price or market value, and the land isn’t part of the rebuild cost. Before issuing a homeowners policy, a Florida insurer must offer replacement cost coverage and law and ordinance coverage, which helps pay the added cost of meeting current building codes when damaged parts of the home are repaired or rebuilt (section 627.7011, Florida Statutes).

Teen drivers, pools and liability

Families with teenagers, pools, docks on a lake or frequent guests have more liability exposure. Newer vehicles, teens reaching driving age and adult children still on the policy all change your auto picture. A personal umbrella can add a layer of liability coverage above your home and auto policies, subject to its terms. Most umbrella policies require you to carry minimum liability limits on those underlying policies, and the minimums vary by insurance company, so it helps to look at all three together. See our auto insurance and personal umbrella pages.

What to have ready

  • The full property address and county
  • Year built, roof year and roof type
  • Your current declarations page and policy expiration date
  • A 4-point or wind mitigation report, if you have one
  • Recent renovations, a pool or other additions

A licensed member of our team will review your request and contact you by phone or email. Coverage isn’t in place until it’s bound.

See also our flood insurance page and where we work.

Frequently asked questions

Is Julington Creek Plantation in Jacksonville?

No. It’s in unincorporated northwest St. Johns County, south of Jacksonville. That means St. Johns County’s flood maps and evacuation zones apply, not Duval County’s.

Do I need flood insurance if my home is in Zone X?

Federal law doesn’t require it outside high risk zones, but any lender can ask for it, Citizens policyholders may be required to carry it, and homeowners policies generally don’t cover flood.

Can an insurer refuse my home because the roof is old?

Not solely for that reason if the roof is less than 15 years old. If it’s 15 years or older and an authorized inspector finds at least 5 years of useful life left, the insurer can’t refuse to issue or renew solely because of roof age (section 627.7011(5), Florida Statutes). Insurers can still decline for other lawful reasons.

Sources

General information, not legal or coverage advice. Coverage depends on the policy issued, its terms and underwriting. Sources checked October 30, 2026. McGriff-Williams Insurance is an independent insurance agency in Gainesville, in business since 1983 and licensed in Florida. We are not affiliated with FEMA, the NFIP, Citizens Property Insurance Corporation or the Julington Creek Plantation Community Development District.