Why Flood Insurance Matters in Florida
Many Floridians assume their homeowners insurance covers flooding — it doesn’t.
Flood insurance is not included in standard home or renters insurance policies and must be purchased separately. In Florida, where hurricanes, storm surge, and heavy rainfall are common, flood insurance is essential — even for homes outside high-risk zones.
- Florida has more flood claims than any other state
- Storm surge, heavy rains, and hurricanes can cause thousands in damage overnight
- One inch of water can cause over $25,000 in property damage
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
What Flood Insurance Covers
Our flood insurance policies — through the NFIP or private carriers — typically include:
Building Coverage
Covers your home’s structure: foundation, electrical, plumbing, HVAC, flooring, and more.
Contents Coverage
Protects your personal belongings: furniture, electronics, appliances, and valuables stored inside the home.
Detached Structures (Optional)
Coverage available for detached garages, sheds, or other external structures.
Loss Avoidance / Cleanup
Some policies may reimburse preventative measures or cleanup costs after a flood.
Who Needs Flood Insurance in Florida?
Whether you're required to carry it or simply want peace of mind, flood insurance is smart for:
- Homeowners in coastal zones (A, AE, VE)
- Inland property owners near rivers, lakes, or floodplains
- Condo unit owners with ground-level exposure
- Landlords or property investors with rental homes
- Homeowners in X zones (moderate to low risk) who still want protection
Why Choose FLORIDA WE INSURE AGENCY for Flood Insurance?
30+ Carriers Compared
We quote both NFIP and private flood insurance — helping you find the best coverage and price.
Built for Florida
We understand FEMA flood maps, elevation certificates, and mitigation discounts.
No Surprises at Renewal
We review your flood policy annually and keep you informed of map or rate changes.
Free Legal Support for Claims Disputes
If your flood claim is delayed or denied, our in-house legal team advocates for you — at no extra cost.
Local Agents, Real Help
Whether you're in St. Augustine, Tampa, or anywhere in between, we walk you through the process — from quotes to claims.
Tampa
Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.
Flood Insurance FAQs
Is flood insurance required in Florida?
Only if you live in a FEMA-designated high-risk flood zone and have a federally backed mortgage. But even if it’s not required, it’s still highly recommended statewide.
How much does flood insurance cost in Florida?
Rates vary based on location, home elevation, coverage amount, and whether you use NFIP or private carriers. Our agents will compare both options to find your best rate.
Can renters get flood insurance?
Yes. Renters can purchase contents-only flood insurance to protect their belongings. It’s especially important if you're on a ground floor or in a flood-prone area.
Does homeowners insurance cover water damage from storms or floods?
Homeowners insurance may cover sudden water damage (like a burst pipe), but not flooding caused by storms, heavy rains, or rising water — that requires separate flood coverage.
Service areas
Areas We Serve — Flood Insurance Across Florida
We help homeowners, landlords, and condo owners protect against flood loss in:
Flood Insurance in St. Augustine
Flood Insurance in Jacksonville
Flood Insurance in Tampa
Flood Insurance in Sarasota
Flood Insurance Across Florida
Get Protected Before the Next Storm
Flooding doesn’t wait and most policies take 30 days to go into effect. Let’s get your home, belongings, and investment protected today.
