Flood Insurance

One common misconception about flood insurance is that you only need it if you live close to water or in a designated flood zone. In reality, floods can occur anywhere and at any time — even from heavy rain, poor drainage, or rising water in inland areas — and are not limited to coastal properties. Standard homeowners insurance does not include flood coverage, so if your home suffers damage from rising water, you could be left paying for costly repairs out of pocket unless you have a dedicated flood policy.

 

That’s why flood insurance is a separate policy that must be purchased in addition to your homeowners insurance. Administered primarily through the National Flood Insurance Program (NFIP) and backed by the Federal Emergency Management Agency (FEMA), flood insurance helps protect both the structure of your home and your personal belongings against water damage caused by flooding. One inch of floodwater can cause thousands of dollars in damage, making this coverage an important safety net.

 

Many homeowners assume they’re safe simply because they don’t live in a high-risk flood zone. However, a significant number of flood claims come from moderate- to low-risk areas, meaning that even properties outside officially labeled flood zones can sustain serious flood damage. With Florida’s frequent thunderstorms, tropical storms, and hurricanes, flood risk is widespread — and coverage is recommended for nearly all homeowners.

 

Since flood insurance is not included in standard property policies, it’s essential to discuss your flood risk with a trusted agent and consider obtaining a standalone policy. This adds a layer of financial protection that helps ensure you’re prepared for unexpected water damage — whether it’s from storm surge, heavy rainfall, or overflowing waterways — and gives you greater peace of mind knowing your home and belongings are protected.