Flood Insurance in Florida
Florida has the highest flood risk of any state. Standard homeowners insurance does NOT cover floods. Let Tammy help you get the right flood coverage before the next storm season.
What Is Flood Insurance?
Many Miami homeowners are shocked to discover that their standard homeowners policy doesn't cover flood damage — even damage caused by heavy rain or a nearby canal overflowing. In Florida, where flooding is common and often required in designated flood zones, separate flood insurance is essential.
Flood insurance is available through the National Flood Insurance Program (NFIP) and private carriers. We'll help you determine your flood zone, understand your risk, and find the most affordable policy available. Don't wait until a storm is approaching — flood insurance has a standard 30-day waiting period.
What's Typically Covered
- Coverage for flood damage to the structure of your home
- Coverage for personal belongings damaged by flooding
- Available through NFIP or private flood insurance carriers
- Required by lenders in high-risk flood zones (Zone A, AE, V)
- Available to homeowners, renters, and businesses
- Coverage for basements, electrical, plumbing, and appliances
Frequently Asked Questions
Is flood insurance required in Florida?
If your property is in a high-risk flood zone (Zone A or V) and you have a federally-backed mortgage, it is required. However, we recommend it for all Florida property owners.
How long does it take for flood insurance to go into effect?
NFIP policies have a 30-day waiting period. Don't wait until a storm is coming!
Does flood insurance cover my car?
No — flood insurance covers the structure and contents of your home. Your comprehensive auto insurance may cover flood damage to your vehicle.
Get Your Quote Today
Tammy will shop multiple carriers to find the best rate for your specific situation.
Request a Free QuoteCall (305) 485-3999📍 Serving All of Florida
Based in Miami at 9531 SW 40th Street — licensed to provide coverage throughout the entire state of Florida.
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