If your home is insured through Citizens and your policy includes wind coverage, Florida law now requires you to carry flood insurance, and the deadline depends on your home’s value. Meeting it is simpler and more affordable than most policyholders expect. Brown Insurance has specialized in flood since 1973, and we shop both the NFIP and the private market to keep your Citizens coverage compliant at the lowest real cost.
If your home is insured through Citizens and your policy includes wind coverage, Florida law now requires you to carry flood insurance, and the deadline depends on your home’s value. Here is exactly what the rule requires, what coverage satisfies it, and how to comply at the lowest real cost.
In December 2022, the Florida Legislature passed a law (codified as Florida Statute 627.715) requiring most Citizens Property Insurance policyholders to obtain and maintain flood insurance. The rule applies to new and renewing Personal Residential policies that include wind coverage, and it phases in by your home’s dwelling value through January 1, 2027.
If your home is in a high-risk flood zone (a Special Flood Hazard Area such as zones A, AE, AO, AH, V, or VE), you must already carry and maintain a flood policy. If your home is outside the high-risk zone, the requirement phases in based on your dwelling value (Coverage A):
Condominium unit-owner policies, tenant (renter) content policies, and any policy that excludes windstorm or hail coverage are not required to purchase flood insurance. Because flood policies often carry a waiting period, it is worth getting ahead of your renewal date.
We compare private flood carriers plus the National Flood Insurance Program (NFIP) to find you the most comprehensive coverage at the best price.
Get flood insurance quotes from multiple carriers in minutes. As independent agents, we’re not tied to one company, we work for you.
Most agents only offer NFIP flood insurance, but there are private carriers that often provide better coverage for less money.
We shop them for you. Our flood insurance specialists understand the complexities of flood zones, coverage options, and can help you save money while getting proper protection.
Whether you’re in a high-risk flood zone or outside the floodplain, we’ll find you the right coverage.
Covers the structure of your home including electrical and plumbing systems, central air conditioning, furnaces, and water heaters.
Protects your belongings like furniture, clothing, electronics, and appliances from flood damage.
Pays for temporary housing and living expenses if your home becomes uninhabitable due to flood damage.
Covers rental income loss if you rent out part of your property and it becomes uninhabitable due to flooding.
Limited coverage for basements including structural elements, essential utilities, and basic items stored below ground.
Helps pay for modifications needed to bring your home up to current building codes after a flood loss.
Flooding is the most common natural disaster in the United States. From coastal storms to inland flooding, proper flood coverage protects your most valuable investment.
Don’t wait until it’s too late, get the protection you need today.
Don’t take chances when it comes to your home.
Make sure you’re protected to the fullest with flood insurance.
