Regional Expertise

Flood Insurance in Florida & Broward County

Standard homeowners policies exclude flood damage. We write flood insurance across Florida, from Fort Lauderdale and Broward County to the rest of South Florida, with both NFIP and private flood options.

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Modern luxury beachfront home in Florida with glass walls

“Peace of mind is the ultimate luxury.”

Coverage gap

The critical gap in traditional coverage

Many homeowners in Florida are surprised to learn that a single inch of water can cause over $25,000 in damage. A standard homeowners policy covers water from a burst pipe, but never rising surface water.

Our flood plans cover physical losses caused by flooding, including storm surge, heavy rainfall, and tidal overflow, the very elements that define life on the coast.

20%Claims from Low-Risk Zones

$25k+Cost of 1-Inch Flood

Your options

Comparing your options

We offer both federally backed and private-market solutions to fit your property's specific risk profile.

NFIP (FEMA)

Government Backed

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check_circleMax Coverage: $250k Building / $100k Contents
check_circleNo risk of non-renewal (Standard zones)
warning30-Day Waiting Period required
warningNo loss-of-use coverage

Private Market

Higher & Custom Limits

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check_circleHigher limits available (Up to property value)
check_circleIncludes Loss-of-Use & Basement coverage
check_circleShorter wait periods (as low as 10 days)
check_circleOften lower premiums for modern construction

Local risk

Why Florida needs this

Stormy waves hitting a concrete sea wall during a hurricane

The Elevation Factor

Understanding FEMA zones A, AE, X, and V is critical. V-zones carry the highest risk near open water, but inland flooding during tropical storms is a reality for all Florida residents.

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30-Day Rule

Don't wait for a named storm. Policies typically require 30 days to become active.

Zone V

Velocity zones. High-risk areas with wave action. Specific construction requirements apply.

Mandatory Requirements

With a federally backed mortgage in a high-risk zone (A or V), your lender requires flood insurance. We help you meet that requirement with optimal pricing.

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FAQ

Frequently asked questions

Does standard homeowners insurance cover flood damage?expand_more

No. This is the most common misconception. Standard policies cover water that enters through roof damage or plumbing, but they strictly exclude rising ground water or coastal storm surge.

What is the difference between NFIP and Private Flood?expand_more

NFIP is the federal program with set limits of $250k building and $100k contents. Private flood policies offer higher limits, loss-of-use coverage, and often shorter waiting periods and lower premiums on modern construction.

Is there a waiting period before coverage starts?expand_more

NFIP policies typically require a 30-day waiting period before coverage takes effect. Some private flood policies start in as few as 10 days, which is why buying before storm season matters.

Do I need coverage if I'm not in a high-risk flood zone?expand_more

It's worth considering. Around 20% of flood claims come from low- and moderate-risk zones. Coverage in these zones often costs much less while still protecting you from inland flooding.

Ready to get protected?

Don't wait until hurricane season. Get a quote today and secure your home against rising water.

Get your free quote Talk to an agent