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Flood Insurance

Mandatory for some residents, but a good idea for everyone else. Flood insurance claims are growing from homes in low to medium risk areas. Storm season is never far away. Don't get caught without flood insurance. Let GreatFlorida find low-cost coverage to put your mind at ease year-round.

Am I required to buy flood insurance in Florida?

If you live in a high-risk flood zone in Florida, you will be legally required to have flood insurance.

If you don't live in a high-risk area, you are still not in the clear. A large number of flood insurance claims come from low and medium risk areas every year. Protect your home and valuables with an affordable flood insurance policy.

Storms, flash floods, and even construction projects change how water drains and can wreak havoc on your property. Restoring your home after a flood is a massive task, financially ruining many Florida residents.

Talk to a GreatFlorida agent today and see how affordable a minimum flood insurance policy can be.

Talk to a Greatflorida Agent

Flood insurance documents, comparing NFIP and private flood insurance options.

NFIP Flood Insurance vs. Private Flood Insurance

After rising costs of flood insurance and mandatory requirements to purchase it, the National Flood Insurance Program was created. It provides affordable, government-backed coverage for flood-prone properties up to $250,000.

If you need more coverage and additional policy features, private flood insurance is an ideal option for your home.

Flood Insurance in Florida. What Does it Cover?

In the case of a flood, insurance can cover the cost of damages. The cost of replacing these on your own can be immense. Most people don't realize the value of everything in their home. A Florida flood insurance policy can include coverage for:

Flooded interior with damaged appliances, illustrating appliance coverage.

Appliances and Essential Home Systems

Major appliances, your washer and dryer, and essential systems like the AC can all be covered with a quality flood insurance policy.

Damaged flooring in a flooded home, illustrating structural coverage.

Structural and Flooring Damage

Cabinets, carpets, staircases, and even unattached garages can be covered by flood insurance.

Water damaged personal belongings, illustrating personal property coverage.

Personal Property and Valuables

Your clothing, personal belongings, and valuables are all covered up to your policy limit.

What Does Flood Insurance NOT Cover?

Some effects of a flood are not covered by a policy, including:

Environmental Factor

Mold or mildew damage which could have been reasonably avoided is not covered under your flood insurance policy. This also includes any damage caused by earth movement, even as a result of flooding.

External Effects

Business interruption and related financial losses, are not covered under a flood policy. Neither are loss of property use or temporary housing expenses while your home is being repaired.

Certain Belongings and Assets

Vehicles, currency, and belongings kept outside of your home are not covered by flood insurance.

A house partially submerged in water, illustrating flood risk and claims statistic.

25%

of all flood claims are from low-medium risk communities

Do I Really Need Flood Insurance?

Florida falls into FEMA's highest level of storm frequency, with large areas at high flood risk based on FEMA assigned flood zones.

Many homes are at risk due to their proximity to the coast or bodies of water. But 25% of all flood claims are from low-medium risk communities

Florida Flood Zones by Risk

Florida has a high risk of flooding, but divides areas into risk categories to help homeowners and local authorities prepare for flooding. Flood zones are categorized as follows:

Fema flood map

A FEMA flood zone map of Florida, illustrating different flood risk zones.

Enter your address into the FEMA Flood Map Services to find your zone.

Graphic illustrating flood zone risk levels.

High Risk:
Mandatory insurance
High Risk - Coastal Area:
Mandatory insurance
Zone AR:
Temporary increased risk
Zone V, VE, V1,-V30:
Additional hazards from storm surge
Zone D:
Possible but undetermined risk
Zone A, AE, A1-A30, AH, AO:
26% Chance over 30 years
Zone B, C, X:
Less than 1% chance

How Much is Flood Insurance in Florida?

At GreatFlorida, we connect homeowners with insurance that's right for you. Flood insurance premiums vary due to risk and size of the home.The average annual flood insurance premium is around $700.

Payment for damages during a flood can be paid in one of three ways, depending on your policy.

Agreed Value:

The amount your policy agrees to pay, despite what the current value is.

Actual Cash Value:

The cost to replace, rebuild, and repair your home and belongings.

Replacement Cost:

The price of repairing your home after a flood.

How to Save Money on Flood Insurance?

You can't pick up and move your home and move it. But you can reduce your level of flood risk with some careful planning.

Taking these extra precautions can lower your premium:

A house elevated on stilts, illustrating elevating your home for flood protection.

Elevate Your Home

Wet Floodproof

Dry Floodproof

Household appliances elevated, illustrating repositioning appliances for flood protection.

Reposition Appliances

Florida Flood Insurance FAQs

An inch of water may not seem like much, but the effects can be devastating. Being prepared can be the difference between inconvenience and total financial ruin.

How Do I Pay For Flood Insurance?

Flood insurance premiums must be paid in full and is only available to purchase in annual payments.

Flood insurance policies have a separate deductible for the property and the contents of your home.

What Factors Affect Flood Insurance Cost?

Premiums fluctuate and depend on factors like your chosen deductible, policy value, location of your home, foundation of the home, and your flood zone risk.

A GreatFlorida Insurance agent can find affordable flood insurance for your home and personal belongings.

How Long Will It Take The Policy to Come Into Effect?

Most flood insurance policies will not come into effect until 30 days after purchase.
Don't hesitate.
Start planning your GreatFlorida flood insurance policy today.

Why Buy Flood Insurance From a Local Agent?

Local agents have local knowledge. Finding affordable flood insurance on your own can be overwhelming. And at GreatFlorida, agents dedicate their time to tracking down the right policy for you.

They are available 24/7, with the knowledge and experience to respond to any insurance inquiry you have.

Hero image of a welcoming home, symbolizing personalized flood insurance in Florida.

Build Your Own Personalized Flood Insurance Policy in Florida

Get Prepared. Get GreatFlorida. Our agents simplify crafting a flood insurance policy to protect your Florida property from coastal and storm-related flooding. Secure cost-effective coverage with our experienced partners to safeguard your home or business.

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Insurance Coverages

About GreatFlorida Insurance

GreatFlorida Insurance is a network of independent, franchised insurance agents located throughout Florida. With 142 locations state-wide, it is easy to find a GreatFlorida Agency in your neighborhood.

We provide 24-hour service, 7 days a week, 365 days a year, through our partnered insurance companies.

Our Independent, GreatFlorida Insurance Agents will help you find affordable Insurance in Florida for you and your family.

Florida's Flood Insurance Agency