Florida Flood Insurance

Your Complete Flood Insurance Guide for Florida

Full analysis of flood damage risks and insurance costs in your city.

Popular Questions About Florida Flood Insurance

What is Florida flood insurance?

Flood damage isn’t actually covered under your home policy — even in a coastal state like Florida. But you can buy a separate flood policy from the National Flood Insurance Program (NFIP) to protect your home. That way, you won't have to pay for any unexpected damage out of pocket — and you can have peace of mind knowing your property is protected. Flood insurance will cover everything from unexpected damage to your home, like siding and floors, to belongings like furniture and electronics. Make sure your policy is comprehensive and protects a wide variety of areas so you'll be completely covered.

How much does Florida flood insurance cost?

$700 per year

This is the average cost of a flood insurance policy with $250,000 in building coverage and $100,000 in contents coverage. The design, age, and size of your home, in addition to how much insurance you want, could increase or decrease your premium.

What does Florida flood insurance do for me?

Florida flood insurance gives you peace of mind. When a storm rolls through or a pipe bursts, if you know you're already insured, you can rest easy. Insurance can cover damage to your property like walls and flooring, as well as your belongings such as furniture and other personal items. But it's important to know exactly what you're protected against and what liability limits you have in place.

  • Pays for damage to your home. We call this “building coverage.”
  • Pays for damage to your belongings. We call this “contents coverage.”

How do I find the best Florida flood insurance?

You may think that finding comprehensive flood insurance is complicated, but it doesn't have to be when you team up with an independent insurance agent. With one of our agents, you can choose from a number of quotes and policies and receive insurance that is comprehensive, customized and affordable.


Clearwater — located in the Tampa Bay area — is right on the water, and Clearwater Beach is a 3-mile stretch of white sand on a barrier island. No wonder so many people fall in love with the area. But its proximity to the water poses an immediate threat of flood risk. It can happen during a typical high tide or any time a bad storm rolls through, which happens more often than you'd like to think.

  • Average annual rainfall in Clearwater: 52.1 inches
  • Average annual rainfall nationally: 38.67

Heavy rain near bodies of water is the No. 1 cause of flooding. Clearwater receives more than the national average of rain, which could lead to a higher risk of a flood some in areas, where insurance is more expensive. Keep this in mind when you're looking at insurance options.

The top high-risk flood areas in Clearwater:

  • Clearwater Beach Island: Zone A
  • Clearwater Harbor: Zone A
  • Stevenson Creek: Zone A
  • Lynn Lake: Zone A
  • Lake Bellevue: Zone A

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Destin, FL

Destin is located in northwest Florida, or the Panhandle, for another point of reference. It's an ideal spot for vacations and family getaways, but also has its own risks and water-related hazards to consider. Natural dunes, beaches and nature trails make the area undeniably beautiful.

  • Average annual rainfall in Destin: 66.31 inches
  • Average annual rainfall nationally: 38.67 inches

Destin receives almost more than double the national average amount of rainfall. As a result, the city has more high-risk flood areas where insurance is not only more necessary but also more expensive.

The top high-risk flood areas in Destin:

  • Jose Bayou: Zone A
  • Destin Harbor: Zone A
  • Choctawhatchee: Zone A
  • Santa Rosa Island: Zone A
  • Eglin Air Force: Zone A

Find the best Florida flood insurance in Destin

If you're looking for comprehensive, customized and affordable flood insurance to protect yourself and your property, you should talk to an independent insurance agent. Our agents will find a number of policies for you to compare and will help you find the right coverage for your needs.

Delray Beach

A coastal city in Palm Beach City, Delray Beach has a population of 60,522. It's part of the Miami metropolitan area and has its own unique weather-related risks to keep in mind when looking at protecting your most prized possessions.

  • Average annual rainfall in Delray Beach: 60.49 inches
  • Average annual rainfall nationally: 38.67 inches

It makes sense that Delray Beach receives more than the national average amount of rain. Not only is it in a tropical area, but it's also a coastal city, which means the area is more prone to having high-risk flood areas. Insurance is more expensive in these areas.

The top high-risk flood areas in Delray Beach:

  • Intercoastal Waterway: Zone AE
  • Lake Delray: Zone AE

Find the best Florida flood insurance in Delray Beach

When you team up with an independent insurance agent, you'll receive a partner in crime who will work hard to find you comprehensive flood insurance for your Delray Beach property. It's essential to compare coverages and quotes so you can find exactly what you're looking for.

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