House in flood water protected by a shield with a checkmark.

Florida Flood Insurance to Protect What Matters Most

Rising water can strike anywhere in Florida. Protect your home, condo, or rental property with flood insurance—coverage your standard policy won’t provide.

What Does Flood Insurance Cover in Florida?

Flood insurance provides protection from the catastrophic costs of water damage caused by rising water, not covered by your standard homeowners or condo policy.

Building Coverage

Covers your home's structure, foundation, and essential systems like electrical and plumbing.

Personal Property Coverage

Protects furniture, appliances, electronics, clothing, and valuables inside your home or condo.

Loss from Flooding

Applies to water damage from heavy storms, hurricanes, rapid rainfall, or storm surge.

Coverage for Basements and Enclosures

Certain policies include limited protection for contents and equipment in basements or ground-level enclosures.

Why Flood Insurance Is Essential in Florida

Flooding is one of the most common—and expensive—risks for Florida property owners. Even a brief storm can create flood conditions, especially in coastal and low-lying areas.


  • Required in Flood Zones
    If your Florida property is in a FEMA-designated flood zone and you have a mortgage, flood insurance is mandatory.

  • Recommended Statewide
    Most of Florida is flood-prone, and few areas in Broward, Dade, and Palm Beach counties are fully outside flood risk.

  • Homeowners and Condo Policies Do Not Cover Flood
    Standard policies exclude damage from rising water—flood insurance is a separate policy.

  • Protection for Every Property Owner
    Even without a mortgage, coverage is highly recommended for peace of mind and financial safety.

How Flood Insurance Works in Florida

Flood insurance in Florida is provided by the National Flood Insurance Program (NFIP) and select private insurers through the “Write Your Own” program—fully backed by the federal government.



  • Available to All Property Owners and Renters

  • Flexible Options for Home, Condo, and Rental Properties

  • 30-Day Waiting Period for New Policies (in most cases)

  • Claims Paid Quickly and Reliably

Our agency will explain all your options and guide you to the right policy—whether you’re in a high-risk flood zone or simply want added protection.

FLOOD INSURANCE

Frequently Asked Questions

  • Does my Florida homeowners policy cover flood damage?

    No. Standard homeowners and condo insurance do not cover flood. A separate flood insurance policy is needed.

  • How do I know if my property is in a flood zone?

    Flood zones are determined by FEMA. We’ll help you check your property’s flood risk and whether flood insurance is required.

  • What’s the difference between NFIP and private flood insurance?

    NFIP policies are federally backed with set coverage limits. Private flood insurance may offer higher limits and additional benefits. We’ll compare both for you.

  • Is flood insurance recommended if I don’t have a mortgage?

    Absolutely. Flooding can happen anywhere in Florida, and repairs without coverage can be financially devastating.

  • How quickly can I get flood insurance in Florida?

    Most policies have a 30-day waiting period before coverage begins, so don’t wait until storm season to apply.

Protect Your Property From Florida Floods—Start Today

Protect your home, condo, or rental with affordable, reliable Florida flood insurance from American Insurance Agency. Enjoy expert guidance and flexible options tailored to your needs. Request your free flood insurance quote now.

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