The Real Risk: Understanding Flood Damage for Florida Homeowners

In Florida, we're no strangers to wild weather. Afternoon downpours and hurricane warnings are part of life here. But while we may be used to sudden rain, many homeowners underestimate just how fast that rain can turn into serious, costly flooding.

According to the Federal Emergency Management Agency (FEMA), flooding is the most common and most costly natural disaster in the United States. Yet despite that, many Floridians still believe, “It won’t happen to me.”


Flooding: A Statewide Concern

Flood risk doesn’t stop at the coastline. In fact, more than 25% of flood insurance claims come from properties in moderate- to low-risk flood zones, according to FEMA. You don’t have to live near the water to be vulnerable. Here's why:

  • Florida's flat terrain and high-water table create ideal conditions for water to pool.

  • Heavy rainfall can overwhelm storm drains and sewer systems.

  • Storm surges from hurricanes can push water several miles inland.

And the damage? Even just one inch of water inside your home can cause more than $25,000 in damage—ruining floors, walls, appliances, and personal belongings in minutes.

Flood by the Numbers

  • 90% of all U.S. natural disasters involve flooding

  • 1.7 million Florida properties are at substantial flood risk

  • Only 18% of Florida homes have flood coverage

  • Average flood insurance claim: $52,000

  • $3.8 billion in NFIP payouts for Hurricane Ian flood damage

  • 40% of NFIP claims from 2015–2022 came from outside high-risk zones

What Does Flood Insurance Cover?

Many homeowners are surprised to learn that their standard home insurance does not cover flood damage. That means if water enters your home from the ground—whether from heavy rain, storm surge, or even rising groundwater—you’ll need a separate flood insurance policy to be protected.

Flood insurance, whether through the National Flood Insurance Program (NFIP) or a private carrier, typically covers:

  • Structural damage: your home’s foundation, walls, and built-in elements

  • Essential systems: HVAC, plumbing, and electrical

  • Permanent fixtures: appliances, cabinets, and flooring

  • Personal property: furniture, electronics, clothing, and more

Some private flood policies also offer higher limits and include additional living expenses if you're forced to evacuate or your home becomes uninhabitable.


Timing Matters: Don’t Wait for a Storm

One of the most important things to know: flood insurance policies take 30 days to go into effect. If you wait until a storm is approaching, it’s likely too late to get covered. That’s why we strongly recommend getting coverage before hurricane season peaks.

Even if you've never experienced a flood before, each storm is different. And with rising sea levels and more intense storms each year, flood risks are evolving.

Protect What Matters Most

At Ted Todd Insurance, we’re here to help Florida homeowners understand their risks and choose the right protection. Whether you're looking for NFIP coverage or exploring private flood options, our licensed agents can walk you through your choices.

Get a flood insurance quote today—and make sure your home, your belongings, and your peace of mind are protected before the next storm rolls in.

Sources: FEMA, First Street Foundation, Insurance Information Institute