Living in Florida means living near water — and that beauty comes with risk.
From afternoon storms to hurricane surge and king tides, flooding is the number one cause of property loss in Florida — and standard homeowners insurance does not cover it.

At Waterfront Insurance, we help homeowners, condo owners, and investors secure comprehensive flood insurance through both FEMA’s National Flood Insurance Program (NFIP) and private flood markets. Our goal: protect your property and your peace of mind before the water rises.

• Over 40% of all U.S. flood claims come from Florida.
   
• One inch of water can cause over $25,000 in damage.
   
• Flooding can occur anywhere — even in “low-risk” zones.
   
• Mortgage lenders require flood insurance for homes in high-risk zones.
   

Florida’s flat terrain, tropical weather, and rising sea levels make flood coverage essential for every property owner — not just those on the coast.

Even if you’re outside a high-risk flood zone, you’re still vulnerable to flash flooding, drainage issues, or storm runoff. A private or NFIP flood policy ensures you’re protected when water enters your home from the ground up — not just from wind or rain.

A standard Florida flood insurance policy covers direct physical damage caused by flooding — defined as water covering at least two acres or affecting two or more properties.

Coverage Type What’s Included Building Property Coverage Foundation, walls, flooring, electrical, plumbing, built-in appliances, and HVAC systems. Personal Property (Contents) Coverage Furniture, electronics, clothing, and valuables inside the home. Detached Garages / Outbuildings Limited coverage for separate structures. Cleanup & Debris Removal Costs to remove flood debris and restore habitability. 

Optional endorsements can expand coverage for basements, pools, decks, and high-value contents.

It’s important to understand exclusions so there are no surprises at claim time.

Flood policies do not typically cover:

• Landscaping, trees, or fences
   
• Currency, precious metals, or personal papers
   
• Temporary housing or loss of income
   
• Mold/mildew not caused by a covered flood
   
• Vehicles or outside equipment (covered under auto policy)
   

Our advisors help identify what’s not covered — and show you how to bridge those gaps with endorsements or companion policies.

We offer both FEMA-backed NFIP and Private Flood Insurance to ensure the best fit for your property and budget.

Feature NFIP Private Flood Coverage Limits Up to $250,000 (building) + $100,000 (contents)Up to $5 million+ available Waiting Period30 days (unless required by lender)Often 0–15 days Replacement Cost Limited Often includes full replacement cost Basement & Pool Coverage Limited Available as add-on Pricing FEMA-rated by flood zone Market-rated (can be lower)Availability Nationwide Varies by ZIP and risk tolerance 

We’ll compare both options and show you which delivers better protection and pricing for your property type — single-family, condo, rental, or commercial.

Flood risk is measured by FEMA’s Flood Insurance Rate Maps (FIRMs).

Zone Risk Level Requirement AE, A, AH, AO High-risk zones Flood insurance required by lenders VE High-risk coastal / wave action zone Flood insurance required; often higher premiums X (Shaded/Unshaded)Moderate to low-risk Optional but strongly recommended 

If you’re unsure of your flood zone, we’ll look it up for you and explain what it means for your coverage and cost.

Flood insurance premiums depend on:

• Property elevation and base flood elevation (BFE)
   
• Flood zone designation
   
• Building foundation and construction type
   
• Distance to water or coastline
   
• Replacement cost and contents coverage
   
• Chosen deductible and coverage limits
   

With private flood markets, we can often save clients 20–40% versus NFIP pricing — while offering higher limits, faster claims, and shorter waiting periods.

✔ Coastal Expertise – We specialize in waterfront, coastal, and high-value properties throughout Florida.
✔ NFIP & Private Options – Access to every available market for the most competitive rates.
✔ Property Data & Elevation Analysis – We review flood maps, BFE data, and mitigation credits.
✔ Fast Quotes & Approvals – Get coverage in hours, not weeks.
✔ Annual Policy Reviews – As flood zones and FEMA maps change, we keep your policy up-to-date.

Whether you’re insuring a beachfront home, canal-front property, or inland residence, we’ll make sure you have the right flood protection in place.

Don’t wait for the next storm to find out you’re unprotected.
Let our local experts at Waterfront Insurance help you secure flood coverage that fits your property, your risk level, and your budget.

Waterfront Insurance – Florida’s Coastal Coverage Experts.