When most people think of Florida, they think of sunshine, beaches, and palm trees, not flood insurance. But the truth is this: Florida some of the highest flood risks, and nearly every homeowner will Google at least one question about flood coverage at some point.
As a local Florida agency, we answer these questions every day. Below are the top 7 most searched flood insurance questions, broken down in simple, clear terms—so you can protect your home, your family, and your financial future with confidence.
No.
This is the biggest misconception in Florida.
Your homeowners insurance policy covers things like fire, theft, wind, and sometimes water damage from sudden pipe bursts, but it does not cover flood damage from rising water, storm surge, heavy rain, overflowing lakes, or drainage issues.
If water comes from the ground up, you need a flood insurance policy, not a home insurance policy.
Why it matters:
Even one inch of water can cause in excess of $25,000+ in damages. Flood insurance protects you from that financial hit.
Yes, because every property in Florida is in a flood zone.
It just depends on whether your zone is high-risk, moderate-risk, or low-risk.
Here’s the part most homeowners don’t realize:
A lot of flood claims come from areas NOT classified as high-risk.
Low-risk doesn’t mean no risk.
And in Florida, heavy rain, storm surge, king tides, and overwhelmed drainage systems can impact homes far from the coast.
Bonus:
If you’re in a low-risk zone, flood insurance is significantly cheaper.
The old days of flat rates are gone. Rates are now based on a Risk Rating, which considers elevation, distance to water, foundation type, and more.
On average:
You want enough coverage to protect:
Most homeowners choose:
Private carriers can go even higher, great for larger homes or waterfront properties.
If your home value has increased in the last few years (most have), you may need more coverage than you think.
Usually, yes.
Why this matters:
Once a storm is named, you can’t buy flood insurance.
Waiting until a hurricane forms is too late.
Flood insurance can cover damage caused by rising water, including:
Walls, floors, foundation, electrical, plumbing, HVAC, appliances.
Furniture, clothing, electronics, décor, valuables (varies by carrier).
If your home becomes uninhabitable.
Some flood policies include or offer add-ons for sheds, garages, workshops, etc.
If you want maximum coverage, private flood policies often offer more flexibility for Florida homeowners.
It depends on your home, location, and risk profile.
✔ Stable program backed by the federal government
✔ Covers most Florida homes
✔ Ideal for extremely high-risk properties
✘ Limited to $250,000 building + $100,000 contents
✘ No temporary living expense coverage
✔ Often cheaper
✔ Higher coverage limits
✔ Can include temporary living expenses
✔ Faster claims and more flexible underwriting
✘ Some homes may be too high-risk for private carriers
Most Floridians who experience flood damage say the same thing:
“I never thought it would happen to me.”
And that’s exactly why flood insurance exists, to protect your biggest financial asset from the unexpected.
At Tueri, our goal is simple:
We watch over what matters most—your home, your family, and your peace of mind.
Not sure whether you need flood insurance or what type fits your budget?
We’ll compare NFIP and private options and show you exactly what your home needs.
Call one of our Insurance Guardian Consultants at (888) 587-2575
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