|Florida Flood Insurance Information
|Flood insurance provides protection for destruction and financial devastation caused by
floods. Although it may not seem like much even a few inches of water can cause serious
damage; resulting in thousands of dollars in repair and restoration costs. Homeowners can
protect you from this costly event.
Although it may not seem as necessary as homeowners insurance, flood insurance is
defined as rising water and tidal water. If we have a storm that sits in one area and rains for
a duration of time causing rising water this may happen. It floods in areas that are not flood
areas all the time. Since you live in a state surrounded by water on three sides it is
something to consider. You may be surprised that the cost of flood insurance may be very
Different types of policies are available based on your property’s location, flood zone, and
your property elevations.
Standard Flood Insurance Policies
If you live in a community that participates in the NFIP, your building and its contents can be
covered by a standard flood insurance policy. The National Flood Insurance Program (NFIP)
was established by the Federal Government to help communities who “voluntarily participate
in the NFIP by adopting and enforcing flood plain management ordinances to reduce future
flood damage.” To be considered a flood, the waters must cover at least two acres or affect
at least two properties. You must apply for building coverage and contents coverage
separately if you choose to invest in a standard flood insurance policy.
Preferred Risk Flood Insurance Policies
If your home or business is in a low or moderate risk zone, your building may qualify for a low-
cost preferred risk policy. While you aren't required to purchase flood insurance in low-to-
moderate risk areas, a preferred risk policy will protect your home and its contents if you are
affected by a small flood or a larger flood that has extended into your low-risk area. In truth,
many flood insurance claims occur in low-to-moderate risk areas.
Check your flood zone here! Talk to one of your licensed Florida flood insurance agents and
get quotes today!
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