Shop & Save Instantly On Florida Flood Insurance

Flooding can happen anywhere in Florida—not just in high-risk zones. In fact, around 1 in 3 flood claims come from low-to-moderate risk areas. Just a heavy rainstorm or clogged drainage can cause major water damage. If you're not covered, you’re paying out of pocket.

Flood insurance typically covers:

• Your home’s structure (walls, floors, foundation)
• Major systems (electrical, plumbing, HVAC)
• Appliances and some built-ins
• Detached garages (separately)
  Personal belongings can be covered too—but only if you have contents coverage as part of your policy.

Rates depend on:

• Your home’s location and elevation
• Flood zone classification
• Type of construction and foundation
• Coverage amounts and deductibles
  FEMA’s Risk Rating 2.0 system now also considers distance to water, flood frequency, and rebuilding costs.

• Stay safe and avoid standing water
• Document all damage with photos and video
• Contact your flood insurer or agent immediately
• Start drying things out but don’t toss damaged items yet
• Keep receipts for cleanup or repairs
  Your adjuster will guide you through the claim process.

To a degree. You can choose:

• Structure-only, contents-only, or both
• Your deductible level
• Whether you want coverage through NFIP or private flood insurance
  Some private insurers offer extra features like temporary housing or higher limits.

If your home is in a Special Flood Hazard Area and you have a federally backed mortgage, yes. Otherwise, it’s optional—but strongly recommended. One flood claim can cost more than years of premiums.

Cost goes up in areas with higher flood risk, like coastal zones or low-lying neighborhoods. Rates also reflect your home’s elevation, replacement cost, and how close you are to water. Newer homes built to code often get better rates.

Yes. Between hurricanes, tropical storms, and heavy rain, flood claims happen often. Even a single inch of water can cause thousands in damage. Florida ranks among the top states for flood-related payouts.

An elevation certificate shows your home’s height compared to base flood elevation. It helps determine your flood risk and insurance rate. It’s not always required, but having one can lower your premium if your home is built higher than the floodplain.

No. Standard home insurance excludes flood damage. You need a separate flood insurance policy—either through the NFIP or a private insurer—to be protected.

Federal Emergency Management Agency. They manage disaster response and also oversee the National Flood Insurance Program (NFIP).

National Flood Insurance Program. It’s run by FEMA and provides most of the flood insurance policies in the U.S., including many in Florida.

Not under the NFIP. If your home becomes unlivable, NFIP won’t cover temporary housing or meals. Some private flood insurance policies may include ALE, so it’s worth asking.

These are high-risk zones defined by FEMA. If your home is in one—like Zones A or V—you face a higher chance of flooding and might be required to carry flood insurance if you have a mortgage.