Personal · Flood
Flood insurance is the coverage Florida can't skip.
Your homeowners policy excludes flood — and in Florida, that's the loss most likely to happen. We compare NFIP and private flood markets so you're covered without overpaying.
What's covered
Building and contents, above and below
Flood policies split coverage between your structure and your belongings. We help you size both.
Building property
Foundation, electrical, plumbing, HVAC, and built-ins.
Contents coverage
Furniture, electronics, and personal belongings.
NFIP policies
Federally backed coverage available in participating communities.
Private flood options
Often higher limits and faster binding than NFIP.
Zone & elevation review
We read your flood zone so you're not over- or under-buying.
Lender requirement compliance
Meets mortgage flood requirements in high-risk zones.
Why it matters here
Most Florida flood claims surprise people.
Low-risk ≠ no-risk
A large share of claims come from outside high-risk zones. Coverage there is usually inexpensive.
NFIP vs. private — explained
We compare both so you understand limits, waiting periods, and what each actually pays.
Bundle with your home
We coordinate flood with your homeowners policy so there's no gap and one agent owns it.
FAQ
Florida flood insurance questions
Is flood insurance required in Florida?
If you have a federally backed mortgage and your home is in a high-risk flood zone, your lender will require it. Even when it's not required, it's strongly recommended statewide because standard home policies never cover flood.
What's the difference between NFIP and private flood?
NFIP is the federal program with set limits (typically up to $250,000 building / $100,000 contents). Private flood policies can offer higher limits, additional coverages, and sometimes lower rates or shorter waiting periods. We compare both for you.
How long until flood coverage starts?
NFIP policies usually have a 30-day waiting period, though there are exceptions (like a new loan closing). Some private policies bind faster. Don't wait for a storm in the forecast — buy ahead.
Does flood insurance cover storm surge?
Yes. Storm surge and rising water from a hurricane are covered by flood insurance, not your homeowners policy. Wind-driven rain through a damaged roof is typically the home policy's job — we'll make sure both are in place.
Ready for a straight answer?
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