Flood Insurance in Florida

Essential flood protection for Florida homes and businesses

Critical Protection for Florida Residents

Florida's unique geography makes flood insurance essential, not optional. With our extensive coastline, river systems, and frequent severe weather, flood damage is a real risk that standard homeowners insurance doesn't cover.

Why Florida Needs Flood Insurance

  • Florida has one of the highest flood risks in the nation
  • Standard homeowners insurance excludes flood damage
  • Even areas outside high-risk zones can flood
  • Federal disaster assistance is limited and must be repaid
  • Flood insurance covers both building and contents

Types of Flood Insurance

NFIP Coverage

National Flood Insurance Program policies backed by the federal government.

Private Flood Insurance

Alternative coverage from private insurers with potentially better terms.

What Flood Insurance Covers

Building Coverage

  • Foundation and structure
  • Electrical and plumbing systems
  • HVAC equipment
  • Built-in appliances
  • Permanently installed carpeting

Contents Coverage

  • Personal belongings
  • Furniture and electronics
  • Clothing and artwork
  • Portable appliances
  • Curtains and area rugs

Florida Flood Zones

  • High-Risk Areas (A, AE, VE zones): Flood insurance required for mortgages
  • Moderate-Risk Areas (B, X zones): Lower premiums, still recommended
  • Low-Risk Areas (C, X zones): Affordable coverage available

Important Facts

  • 30-day waiting period before coverage begins
  • Coverage available up to $250,000 for building, $100,000 for contents
  • Basement coverage is limited
  • Separate deductibles for building and contents
  • Premium discounts available for elevated homes

Get Your Flood Insurance Quote

Don't wait for the next storm. Get flood insurance protection today.

(305) 407-0427
Get Free Quote
Important

Flood insurance has a 30-day waiting period. Don't wait until a storm is approaching!