— Personal · PropertyFlood Insurance
Don't let an accident catch you off guard
— bought before the storm is named.
Flood insurance for hurricane country
Standard home insurance does not cover flooding. In Florida, where storm surge and tropical-storm rainfall regularly affect homes well outside FEMA's high-risk zones, separate flood coverage isn't optional — it's the difference between rebuilding and walking away.
Coverage
Comprehensive flood protection
A flood policy covers what your standard homeowners policy can't. Don't wait for a forecast to find out you're underinsured.
- Dwelling Coverage
- Foundation & Structural
- Personal Contents
- Debris Removal
- Detached Structures
FAQ
Frequently Asked Questions
Do I need flood insurance if I'm not in a flood zone?
Yes, often. More than 20% of flood claims come from homes outside high-risk flood zones. Flash flooding, overwhelmed storm drains, and hurricane storm surge regularly affect "low-risk" areas. If your home can be reached by water, it can flood.
How long before my flood insurance takes effect?
Standard NFIP policies have a 30-day waiting period before coverage starts. This is why flood insurance has to be bought before a storm is named — you cannot wait for the forecast. Private flood policies sometimes have shorter waits.
What does flood insurance actually cover?
An NFIP policy covers the physical structure of your home (up to $250,000) and its contents (up to $100,000) from rising water. It does NOT cover temporary living expenses after a flood, landscaping, or vehicles (those are covered by comprehensive auto). Private flood policies can cover higher limits and additional living expenses.
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