Flood Insurance Protection for Florida
Living in Florida means understanding flood risk. We help you secure the right coverage to protect your home and belongings from water damage.
Why Flood Insurance Is Essential in Florida
Florida faces unique flood risks from hurricanes, tropical storms, and heavy rainfall. Standard homeowners insurance doesn't cover flood damage—you need dedicated flood insurance to protect your property and financial security.
Hurricane Season
June through November brings increased flood risk from tropical storms and hurricanes.
Property Protection
Cover your home structure and contents from flood damage with proper coverage.
Peace of Mind
Know you're protected when severe weather strikes. Don't face flood recovery alone.
Critical Flood Insurance Facts
Homeowners Insurance Doesn't Cover Floods
Most people don't realize their standard home insurance excludes flood damage. You need a separate flood policy.
Not Just Coastal Areas
Over 20% of flood claims come from properties outside high-risk flood zones. Everyone is at risk.
30-Day Waiting Period
Flood insurance typically requires a 30-day waiting period. Don't wait until a storm is approaching!
Affordable Coverage
Flood insurance can be surprisingly affordable, especially for low-to-moderate risk areas starting at $400-700/year.
Flood Insurance Coverage Options
NFIP (National Flood Insurance Program)
Federal program available in participating communities. Standard coverage backed by the government.
Building Coverage
- ✓Up to $250,000 for your home structure
- ✓Foundation, electrical, plumbing, HVAC
- ✓Built-in appliances and cabinets
- ✓Debris removal
Contents Coverage
- ✓Up to $100,000 for personal belongings
- ✓Furniture, clothing, electronics
- ✓Portable appliances
- ✓Optional separate policy
Private Flood Insurance
Alternative to NFIP with more flexible coverage options and potentially better rates.
- ✓Higher coverage limits (often exceeding NFIP limits)
- ✓Additional living expenses coverage
- ✓Replacement cost coverage for contents
- ✓Potentially lower premiums
- ✓More flexible deductible options
What Flood Insurance Doesn't Cover
Understanding what's excluded helps you make informed decisions:
- ✗Property and belongings outside the insured building
- ✗Currency, precious metals, and valuable papers
- ✗Most self-propelled vehicles (cars, boats)
- ✗Living expenses (temporary housing) under NFIP
- ✗Financial losses caused by business interruption
- ✗Swimming pools, fences, decks, and landscaping
Understanding Flood Zones
Zones A, AE, AH, AO, AR
High-risk areas with 1% annual chance of flooding. Flood insurance required by mortgage lenders.
Zones B, X (shaded)
Moderate flood risk. Insurance not required but recommended. Lower premiums available.
Zones C, X (unshaded)
Minimal flood risk. However, 20% of claims come from these areas. Still worth protecting your investment.
Not sure what flood zone you're in? We'll check for you during your consultation!
Protect Your Florida Home from Flood Damage
Don't wait for the next storm. Get a free flood insurance quote and secure your property today.
Remember: There's typically a 30-day waiting period. Don't wait until it's too late!