Flood Insurance
Your homeowners insurance doesn't cover flooding. In the #1 state for flood risk, separate flood insurance isn't optional — it's essential. We offer both NFIP and private flood options.
Important: NFIP flood policies have a 30-day waiting period. Don't wait for storm season — get your flood insurance quote today.
What Does Flood Insurance Cover?
Flood insurance protects your home and belongings from rising water, storm surge, and overflow.
Building Coverage
Covers damage to your home's structure, foundation, electrical and plumbing systems, HVAC, appliances, and permanently installed features like cabinets and flooring.
Contents Coverage
Protects your personal belongings including furniture, electronics, clothing, and valuables from flood damage.
Additional Living Expenses
Some private flood policies cover temporary living costs while your home is being repaired after a flood — not available under NFIP.
Basement & Below-Grade Coverage
Private flood policies often cover more below-grade areas than NFIP, including finished basement contents and improvements.
Why Every Florida Homeowner Should Have Flood Insurance
Flood Risk Across Florida
Every Florida region faces unique flood challenges. Understanding your local risk is the first step to protecting your home.
Southeast Florida
Risk Level: EXTREME. Miami, Fort Lauderdale, and West Palm Beach face the worst sea level rise in the US. King tides cause sunny-day flooding. Hurricane storm surge can be catastrophic. Flood insurance is essential for every homeowner.
Tampa Bay Area
Risk Level: VERY HIGH. Tampa Bay is one of the most vulnerable metro areas for storm surge. Low-lying geography means widespread flooding during hurricanes. NFIP and private flood coverage both available and recommended.
Jacksonville & Northeast FL
Risk Level: HIGH. St. Johns River flooding during heavy rain, plus coastal storm surge exposure. Many neighborhoods near the river or coast are in FEMA high-risk zones requiring flood insurance.
Orlando & Central Florida
Risk Level: MODERATE to HIGH. Inland location reduces storm surge risk, but heavy rainfall flooding and retention pond overflow are common. Flood insurance premiums are relatively affordable ($400-$800/year) and worth it.
Gainesville & North Central FL
Risk Level: MODERATE. Lakes and low-lying areas create localized flood risk. Not as extreme as coastal Florida, but flood insurance provides peace of mind at affordable rates.
Tallahassee & Panhandle
Risk Level: MODERATE (coastal HIGH). Panhandle coast faces storm surge and hurricane risk. Inland areas have moderate rainfall flooding risk. Hurricane Michael (2018) reminder of Panhandle vulnerability.
25% of flood insurance claims come from low-to-moderate risk zones. Just because you're not required to have flood insurance doesn't mean you don't need it.
Read our complete guide: Do I Need Flood Insurance in Florida? →Want to learn more about flood insurance in Florida? Read our complete guide: Do I Need Flood Insurance in Florida? Complete Guide + Risk Maps →
Frequently Asked Questions
What's the difference between NFIP and private flood insurance?
The National Flood Insurance Program (NFIP) is a federal program with standardized coverage up to $250,000 for the dwelling and $100,000 for contents. Private flood insurance is offered by private carriers and often provides higher limits, broader coverage (like loss of use), and sometimes lower premiums. We can quote both and help you choose.
Do I need flood insurance if I'm not in a flood zone?
Yes — and here's why: over 30% of flood claims come from properties outside of high-risk flood zones. If it can rain, it can flood. Plus, policies for lower-risk zones are often very affordable — sometimes as low as $400-500/year.
How long does it take for flood insurance to go into effect?
NFIP policies have a standard 30-day waiting period. Some private flood policies can be effective in as little as 10-15 days. That's why it's important not to wait until storm season — get covered now.
Does flood insurance cover hurricane damage?
Flood insurance covers damage from rising water, including storm surge from hurricanes. However, wind damage from hurricanes is covered by your homeowners or windstorm policy, not flood insurance. You typically need both policies for full hurricane protection.
Your Contact Information
We just need a few details to begin your free quote.
🔒Your information is protected and will never be shared. We use it solely to find you the best insurance coverage and rates.
Most quotes delivered same day · 1-800-252-6885