Florida Flood Insurance | Statewide Insurance Experts

Introduction

Living in Florida means beautiful coastlines, sunny skies, and unfortunately—a high risk of flooding. Whether it’s due to hurricanes, tropical storms, or heavy seasonal rains, flooding can happen fast and cost homeowners tens of thousands of dollars. What many Floridians don’t realize until it’s too late is that standard homeowners insurance does not cover flood damage.

This is why flood insurance is not just an option—it’s a necessity.

In this guide, we’ll break down everything you need to know about flood insurance in Florida: who needs it, how much it costs, what it covers, and why thousands of Floridians trust Statewide Insurance to protect their homes and financial future.

Why Flood Insurance Is Essential in Florida

Florida is one of the most flood-prone states in the U.S. In fact, every county in Florida has experienced a flooding event in the last decade. Even if you don’t live in a high-risk flood zone, you are still at risk.

“More than 20% of flood insurance claims come from homes outside of high-risk flood zones.”

With rising sea levels, aging infrastructure, and unpredictable weather patterns, flooding is no longer a rare event. It’s a growing threat to your property, savings, and peace of mind.

Who Is Required to Have Flood Insurance in Florida?

1. Homes in High-Risk Flood Zones (FEMA Zones A, AE, V, etc.):

   • If you have a mortgage from a federally regulated lender and live in a high-risk flood zone, you are required by law to carry flood insurance.

2. Policyholders with Citizens Insurance:

   • If you have a Citizens Property Insurance policy with wind coverage, new state laws now require you to carry flood insurance regardless of your flood zone. This is part of Florida Senate Bill 2A, which is phasing in flood insurance mandates.

3. Mortgage Lender Requirements:

   • Some lenders require flood insurance even in moderate or low-risk zones to protect their investment.

4. Everyone Else (Voluntary Coverage):

   • Just because you aren’t required to carry flood insurance doesn’t mean you shouldn’t. One heavy rainstorm is all it takes to suffer massive losses.

What Does Flood Insurance Cover?

Flood insurance is designed to cover damages caused by water rising from the ground up. This includes:

• Structural damage to your home or building

• Electrical and plumbing systems

• Central air and heating systems

• Appliances

• Carpeting and flooring

• Detached garages

• Personal belongings (if contents coverage is included)

What It Doesn’t Cover:

• Damage from sewer backups (unless caused by flooding)

• Loss of use or temporary housing (unless added as an endorsement)

• Mold, mildew, or moisture damage not directly caused by a flood

How Much Does Flood Insurance Cost in Florida?

Flood insurance premiums vary depending on several factors:

• Location (flood zone)

• Elevation of your property

• Age and construction type of your home

• Coverage limits and deductibles

Average Premium: Many Floridians pay between $400 and $1,200 per year for flood insurance. However, at Statewide Insurance, we shop multiple options—including private flood insurance markets and the National Flood Insurance Program (NFIP)—to get you the best price available.

NFIP vs. Private Flood Insurance: What’s the Difference?

NFIP Private Insurance

Max Building Coverage $250,000 Up to $2 million+

Max Contents Coverage $100,000 Up to $500,000+

Waiting Period 30 Days As little as 0-15 days

Available Discounts Limited Often includes discounts for elevation, mitigation, and bundling

At Statewide Insurance, we compare both options and recommend what works best for your budget, location, and risk profile.

How to Get a Flood Insurance Quote Today

Getting flood insurance doesn’t have to be complicated. When you contact Statewide Insurance, we make it easy:

1. We review your property’s flood risk using FEMA flood maps and other tools.

2. We gather basic info like your address, construction details, and desired coverage.

3. We compare quotes from both NFIP and private insurers.

4. We walk you through your options so you understand what’s covered, what’s not, and how to save.

You don’t have to guess or go it alone—our licensed agents are here to help.

Why Choose Statewide Insurance?

• Independent & Local: We’re not tied to one insurance carrier. We work for YOU.

• Multiple Carriers, More Choices: We quote across multiple flood insurers for the best deal.

• Fast, Friendly Service: We know Florida. We answer your questions quickly and thoroughly.

• One-Stop Insurance Shop: Bundle flood insurance with homeowners, auto, or wind coverage.

“Floods happen fast. Be ready before the storm hits.”

Take the Next Step

Flooding is unpredictable, but protecting your home doesn’t have to be. Whether you’re in a high-risk zone or just want peace of mind, Statewide Insurance is here to help you every step of the way.

Call us today at (352) 523-0800 or click here for a fast, no-obligation quote.

Don’t wait until the water rises. Secure your home with flood insurance that works.