Flood zone
A FEMA map designation used to describe flood risk—not a guarantee of whether flooding will occur.
Private coverage across Florida
Florida Flood Insurance for the Property You Protect
Compare private Florida flood insurance for your home, rental, condo, or business.
Florida property protection
Florida flood insurance built around the property
Private coverage can help protect Florida homes and businesses from flood damage that homeowners and commercial property policies typically exclude.
- 01Property-specific review
- 02Building and contents options
- 03Private-market guidance
Key terms
Key Florida flood insurance terms
Know these terms before comparing a Florida flood insurance quote.
Contents coverage
Coverage for eligible belongings inside the insured property, subject to limits and exclusions.
Building coverage
Coverage for the insured structure and eligible attached systems, subject to the policy.
Deductible
The amount the policyholder is responsible for before covered claim payments begin.
Policy definitions, limits, deductibles, and exclusions vary by carrier and property. Review the actual policy before purchasing.
Coverage
What can flood insurance cover in Florida?
Available private policies may offer building coverage, contents coverage, or both. Limits, deductibles, exclusions, and eligibility vary by property and carrier.
Building coverage
May cover eligible structural elements and attached systems after a covered flood loss.
Contents coverage
May cover eligible personal or business belongings, subject to selected limits and policy terms.
Quote factors
What shapes a Florida flood insurance quote?
The right quote starts with the property. Carriers may consider location, construction details, selected coverage, and other underwriting information.
- Property location
- Elevation and foundation
- Coverage and deductible
- Property and claims details
Get My Florida Quote
No generic rate promise—start with the address.
Frequently asked
Florida flood insurance questions
Straight answers to common questions about requirements, cost, and coverage.
Is flood insurance required in Florida?
Florida law does not require every homeowner to buy flood insurance. A mortgage lender may require it, especially when a secured building is in a Special Flood Hazard Area. Citizens Property Insurance also has phased flood-coverage requirements for many personal residential policies that include wind coverage. Confirm the current rule with your lender and insurer for the specific property and policy.
How much is flood insurance in Florida?
There is no single statewide price. A Florida flood insurance quote can depend on the property location, flood characteristics, building details, replacement cost, coverage limits, contents coverage, deductible, prior losses, and carrier underwriting. Starting with the address is the most reliable way to receive property-specific options rather than a broad average.
What does flood insurance cover in Florida?
A flood policy may cover the insured building and, when selected, covered contents damaged by a qualifying flood. Exact coverage for foundations, systems, appliances, personal property, basements, loss of use, detached structures, and business property varies by policy. Review the declarations, limits, exclusions, and deductibles before purchasing.
Does homeowners insurance cover flooding?
Standard homeowners insurance generally excludes flooding caused by rising surface water. Review the policy language and compare separate flood coverage for the property.
Property-specific coverage
Start your Florida flood insurance quote
Enter the property address to compare available private flood coverage.