Flood Insurance
Flood Insurance — Don't Wait for the Water
Standard homeowners insurance doesn't cover flooding. In Florida, that's not a small detail — it's a real risk. We'll help you understand your options.
$25K
in damage from just one inch of water
1 in 4
flood claims come from lower-risk zones
30 days
typical NFIP waiting period before coverage starts
Why It Matters
Flood Is the Risk Florida Homeowners Underestimate
Your homeowners policy doesn’t cover rising water — and on the Treasure Coast, between coastal surge, heavy summer rain, and a high water table, flooding can happen well outside the zones people expect. The good news: flood coverage is available, more affordable than most people assume, and something we handle every day.
Flood Zones
Are You in a Flood Zone?
FEMA assigns every property a flood zone that shapes your risk — and often your premium. Here’s the short version:
- Zones A & AE: High-risk. Flood insurance is typically required by mortgage lenders.
- Zone X (shaded): Moderate risk. Not required — but claims still happen here regularly.
- Zone X (unshaded): Lower risk and lower premiums. Coverage is often very affordable.
Your Options
NFIP vs. Private Flood — We Offer Both
NFIP (Government)
- Backed by FEMA and available almost everywhere
- Standardized coverage and rates
- Widely accepted by mortgage lenders
Private Flood
- Often higher coverage limits
- Can be more competitive on price
- May skip the standard 30-day wait
Because we’re independent, we compare both and recommend what fits your property — not whatever we happen to sell.
Flood Insurance FAQs
No — standard homeowners policies specifically exclude damage from rising water. Flood is always a separate policy.
You're not required to, but more than a quarter of flood claims come from lower-risk areas. In Florida, coverage outside high-risk zones is often surprisingly affordable.
NFIP policies usually have a 30-day waiting period, so don't wait until a storm is forming. Some private policies can start sooner — another reason to plan ahead.