Florida Flood Insurance

Flood is the biggest gap in most Florida homeowners policies, and people don't find out until a claim. Standard coverage pays for wind damage and rain through a broken window, but not for water rising from a creek, a canal, a coastal surge, or a stalled tropical system dropping six inches of rain in an afternoon. We quote both NFIP and the private flood market on every address — the right answer changes property to property.

Get Your Free Flood Insurance Quote

Flood is excluded from every standard homeowners policy in Florida, and the gap is real: a four-foot storm surge or a foot of standing rain inside a slab home is a total loss without flood coverage in force. Florida First Insurance of Broward writes both NFIP (Federal) and the growing private-flood market, with attention to FEMA zone designation (X, AE, VE, AO), the building's elevation certificate, and whether the structure pre-dates the current Flood Insurance Rate Map.

Risk Rating 2.0 changed NFIP pricing dramatically — properties that were under-priced for decades are seeing five-year glide-path increases, and properties that were over-priced are seeing reductions. Private flood markets now offer higher limits than NFIP's $250K dwelling cap, replacement-cost on contents, and shorter 14-day waiting periods on purchase. We quote both sides for each address.

Flood coverage binds for property owners across Miami-Dade, Broward, and Palm Beach (where surge and rainfall flooding are both active hazards); Collier and Lee on the southwest coast; Sarasota and Manatee in the Suncoast; Pinellas, Hillsborough, and Pasco around Tampa Bay; Polk and Orange in the central lake country; Brevard and Volusia along the barrier islands; Alachua, Marion, Seminole, and Duval in the river basins; and Leon and Escambia in the Panhandle.

Flood quotes are placed for properties in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.

What Does Flood Insurance Cover?

Building Property — Covers the structure of your home including foundation, walls, roof, and permanently installed fixtures from flood damage.
Personal Property — Covers your furniture, clothing, appliances, and personal belongings damaged by flood.
Basement Coverage — Available for basement contents and structures in NFIP policies and select private plans.
Additional Living Expenses — Covers temporary housing and living costs if your home becomes uninhabitable due to flood damage.