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Flood insurance may help cover damage caused by rising water entering a home or building from external flooding events. Depending on the policy, coverage may help protect:
Coverage limits and exclusions vary by policy.
A flood policy is a separate policy that protects your property from flood damage. Most policies are backed by the National Flood Insurance Program (NFIP), which helps make coverage available in participating communities.
The NFIP is a federal program that provides flood insurance to homeowners, renters, and businesses in participating communities. These communities follow FEMA guidelines to reduce flood risk.
Building coverage includes:
Contents coverage includes:
Flood insurance does not cover land, landscaping, pools, decks, or fences. Coverage for basements and high-value items may also be limited.
Flood insurance policies may not cover:
Certain items may have coverage limitations depending on the policy type.
| Flood Insurance Coverage | Typically Covered? |
|---|---|
| Structural Damage | Yes |
| Electrical Systems | Yes |
| Appliances | Usually |
| Furniture | Sometimes |
| Temporary Housing | No |
| Vehicles | No |
| Landscaping | No |
Coverage limits, exclusions, deductibles, and waiting periods vary by policy and carrier.
RCV pays the cost to repair or replace your home without deducting depreciation. This typically applies to primary residences insured at a certain value.
ACV pays the depreciated value of items at the time of loss. Most personal belongings are covered under ACV.
Flood policies are highly recommended for Florida residents, even outside high-risk flood zones. Many floods occur in moderate- to low-risk areas, and standard homeowners insurance does not provide coverage.
Florida homeowners face flood risks from:
Even properties outside high-risk flood zones can experience flooding.
Flood zones are geographic areas identified by FEMA based on flood risk. Insurance requirements and pricing may vary depending on:
Homes located in high-risk flood zones may require flood insurance if financed.
When you need reliable and affordable flood insurance in Florida, our team is here to help you compare options, understand your coverage, and choose a policy with confidence. To learn more about auto insurance or get a quote in Northwest Florida, Lakeland, and Polk County, call us at 850-994-9211.
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Flood policies iare highly recommended in Florida, especially in coastal and flood-prone areas.
Structure and certain belongings.
Flood insurance is required if your home is in a high-risk flood zone and you have a federally backed mortgage.
Varies based on risk and location.
Typically 30 days.
Coastal and FEMA-designated flood zones.
Yes, flood coverage is available in both high-risk and low-risk areas.
Yes. Many flood claims occur outside high-risk FEMA flood zones.
Many flood insurance policies include a waiting period before coverage begins.
To learn more about independent insurance agencies visit the Florida Association of Insurance Agents.