Flood Insurance

Is your home covered against flood damage? Did you know your homeowner’s policy does not cover against flooding? Did you know that during the course of a 30-year mortgage you have a 26% chance of experiencing a flood? Even if you think you’re “not in a flood zone”, you live in Florida; so we’re all in a flood zone of some sort. 25% of all flood claims come from people who would be considered “not in a flood zone”, meaning those not in the high-risk areas.

Floods can be one of the worst disasters that can devastate your neighborhood. It's such a big deal that the Federal Government runs a National Flood Insurance Program (NFIP). That's why Home and Property Insurance typically doesn't cover flooding. The government draws a Flood Hazard Boundary Map that divides the country into flood zone risk areas, and their Flood Insurance Rate Map sets the coverage and premiums for those areas. You can enter your address at www.floodsmart.gov to find out your risk.

Click the links below to learn more.