Compare flood insurance coverage from private insurers and the National Flood Insurance Program (NFIP).
Our independent agents shop 80+ carriers to find the best flood insurance rates for your home.
Standard homeowners insurance does not cover flood damage. Flood insurance protects your home and belongings from rising water caused by storms, heavy rain, or coastal flooding. Don’t wait, flood insurance takes 30 days to take effect.
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.
Get answers to the most common questions about flood insurance and how we can help protect your biggest investment.
Flood insurance costs in Florida vary widely depending on several factors, including your home's location, flood zone, elevation, construction type, and the amount of coverage you choose. Homes located in higher-risk flood zones or near the coast may have higher premiums than properties in lower-risk areas.
In many cases, homeowners may see flood insurance premiums ranging from a few hundred dollars per year to several thousand dollars annually. The best way to determine your exact cost is to compare options from multiple carriers.
At Brown Insurance, our independent agents shop 80+ insurance carriers, including both private flood insurers and the National Flood Insurance Program (NFIP), to find the best coverage and rates for your situation.
The fastest way to find out what flood insurance will cost for your home is to request a free personalized quote.
Standard homeowners insurance does not cover flood damage. Flood insurance is separate and often required by lenders, especially in high-risk areas.
Savings vary by situation, but our clients typically save 15-30% by switching to better coverage options through our carrier network.
We proactively call clients before renewals, provide same-day service, and shop 80+ carriers to ensure you always have the best rate.
Yes, we're licensed in multiple states and specialize in flood insurance coverage for all 50 states.
Don’t take chances when it comes to your home.
Make sure you’re protected to the fullest with flood insurance.
