Flood Insurance

Even if you live inland miles away from the beautiful beaches, your Florida home or business may be at risk of flooding.

In fact, many fail to realize that even areas several hundred miles away from the coastline can be affected by flood risks created by hurricanes and tropical storms, even areas designated as low or moderate flood zone risks.

When it comes to Florida Flood Insurance Coverage, there are several reasons you need flood insurance:

  • Tropical Storms and Hurricanes: High winds, soaking rain and flying debris pack a triple punch, causing storm surges in coastal neighborhoods and heavy rainfall that poses flood risks hundreds of miles inland.
  • Heavy Rains: The Florida area gets nearly 42 inches of rain each year, peaking in September with an average eight inches according to NOAA National Weather Service.
  • Flash Floods: A flash flood is a rapid flooding of low-lying areas in less than six hours and can be caused by intense rainfall from seasonal thunderstorms and from the collapse or overflow of dams and other man-made structures.
  • New Development: New construction and development mean less land to absorb rainfall and change the natural drainage, creating new flood risks.

Please understand that standard property insurance and homeowners insurance policies do not cover flood damage and that there is a 30-day waiting period before newly purchased flood coverage goes into effect.

Also know that homes and businesses located in high risk areas such as the Coastline have a 22% chance of experiencing a flood over the life of a 30-year mortgage.

A quarter of the businesses that close their doors during a flood never reopen them, and an uninsured home that sustains severe flood damage can cause financial and emotional devastation

Flood elevation certificates can help the cost of your policy in certain situations. Get a quote.

FEMA Federal Emergency Management Agency
500 C Street SW, Washington, D.C. 20472

Disaster Assistance: (800) 621-FEMA, TTY (800) 462-7585
U.S. Department of Homeland Security

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