Flood Insurance


      Many Florida homeowners do not understand the importance of flood insurance and often underestimate flood risks. Additionally, many are not aware that a homeowner’s policy does not typically cover flood. The FAIR Foundation recommends that ALL Florida homeowners should have flood insuranceThe National Flood Insurance Program (NFIP) provides coverage to many Floridians.  However, there are increasingly affordable options available in addition to purchasing coverage from the NFIP.

      Contact your insurance agent for information about coverage options or to obtain a quote.
      National Flood Insurance Program

      For more information about the National Flood Insurance Program, please visit or call 1-888-FLOOD29 or (1-888-356-6329).


      Flood Insurance Writers in Florida

      Below is a list obtained from the Florida Office of Insurance Regulation (FLOIR). In addition to NFIP, the list shows insurance companies in Florida that are eligible to write primary or excess flood insurance outside of NFIP.

      Primary Flood Writers
      Excess of NFIP Flood Writers


      Surplus Lines Flood Writers (Primary Only)*:

      *Surplus lines insurance companies do not file rates and forms with the FLOIR; however, the FLOIR is aware that these companies are actively writing primary flood insurance in Florida.

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