Flood insurance in Florida
Homeowners, condo and renters policies don't cover flooding. In Florida, heavy rain and storm surge can flood properties outside high-risk zones too. We help you get flood coverage through the National Flood Insurance Program (NFIP) and, where available, private flood insurers.
New to flood insurance? Start with the basics
This short video covers how the National Flood Insurance Program works. For the full picture of your options, including private flood markets, we'll go over the details with you directly. For more, visit FloodSmart.gov.
The video plays on YouTube. Citadel Insurance Group isn't affiliated with the video's creator. Citadel Insurance Group is not connected with or endorsed by the U.S. government or FEMA.
What it can cover
- Building coverage: the structure and systems like electrical, plumbing, air conditioning and water heaters
- Contents coverage: your belongings (purchased separately)
- Policies for homes, condo units, renters and businesses
Good to know in Florida
- Most new NFIP policies take effect after a 30-day waiting period, so buy before a storm is in the forecast.
- Lenders require flood insurance for mortgages on homes in high-risk flood zones.
- Florida is phasing in a requirement for Citizens Property Insurance policyholders to carry flood insurance. By January 1, 2027, it applies to most Citizens policyholders, even outside high-risk flood zones.
- Floods happen outside high-risk zones too. Coverage there is often less expensive.
How Citadel Insurance Group helps
Tell us what you need
Call, chat or send a quote request. We'll ask a few questions about you and what you want to protect.
We compare insurance companies
As an independent agency, we compare coverage from several insurance companies and explain the differences in plain language.
We stay with you
After you buy, we help with policy changes, renewals and claims questions.
Questions and answers
Do I need flood insurance if I'm not in a flood zone?
It isn't always required, but flooding happens outside high-risk zones too, and coverage there is often less expensive. If you're insured with Citizens, it may be required. We'll check your situation.
When does a flood policy start?
NFIP policies usually start 30 days after purchase. There are exceptions, such as a policy bought when you close on a loan. Private flood policies may have different waiting periods.
Does flood insurance cover my car?
No. Flood damage to a car is covered by the comprehensive coverage on your auto policy.
Ready to compare?
A licensed agent will contact you, ask a few questions and compare options with you, in English or Spanish.
Other insurance we offer
- Auto insurance
- Home insurance
- Condo and renters insurance
- Boat insurance
- Business insurance
- Workers' compensation
- Health insurance
- Life insurance
- Medicare plans
Descriptions on this page are general information, not a policy or a promise of coverage. Every policy is subject to the insurance company's underwriting, terms, conditions and exclusions. Not every product or company is available to every applicant.