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Protect Your Home from the Unseen Threat
At FLB Insurance Agency, we understand flood risk in Florida is more than a coastal concern—it's a statewide exposure. With storm surges, heavy rainfall, and low terrain, even homeowners in low risk zones can face costly damage. Homeowners insurance typically excludes floods, making a dedicated flood policy essential.
Why Flood Insurance Matters
- Not Just a Coastal Risk – Nearly 25% of flood claims come from “low risk” areas.
- Mortgage Requirement – Federally-backed loans in FEMA-designated flood zones require NFIP coverage Florida Best Quote.
- Prevent Financial Disaster – Flood damage can exceed $25,000 from just one inch of water Florida Farm Bureau Insurance.
Our Coverage Options
National Flood Insurance Program (NFIP)
We’re a direct-affiliated NFIP agency, offering the federally backed policies all Florida communities participate in.
- Standard NFIP Policy – Designed for properties in communities with active flood-management plans.
- Preferred Risk Policy – Ideal and more affordable for homeowners in moderate or low-risk zones.
Coverage Breakdown
- Building Coverage – Includes foundation, structure, electrical, plumbing, HVAC, and detached garages (up to $250K under NFIP).
- Personal Property – Covers belongings such as furniture and appliances (up to $100K under NFIP) Florida Farm Bureau InsuranceThe Baldwin Group.
- Note Exclusions – Landscaping, pools, outdoor items, temporary housing, mold, and most basement contents aren’t covered.
When Coverage Begins
Flood policies generally require a 30-day waiting period before going into effect. So don’t wait until a storm is looming.
How FLB Helps You
1. Free Consultation – We assess your flood risk, zone, dwelling elevation, and contents.
2. Policy Comparison – We'll source quotes from NFIP and private markets to suit your situation.
3. Customized Coverage – Craft a plan that fits your needs—structure, personal property, and optional coverage.
4. Ongoing Advocacy – We support you during renewals and claims, guiding documentation and insurer engagement.
Frequently Asked Questions
Do I really need flood insurance if I’m in a low-risk zone?
Yes. Despite lower risk, around 25% of flood damage occurs in these zones, and mortgages may still require coverage.
How much does flood insurance cost?
Rates vary based on flood zone, building elevation, deductible, and coverage limits. For instance, annual premiums for $250K coverage can range from a few hundred to several thousand dollars depending on your elevation and policy.
What’s the difference between NFIP and private policies?
NFIP provides standardized federal coverage with fixed limits. Private insurers may offer higher limits, flexible terms, and additional benefits.
See what our Customers are saying
“Easy and fast—FLB helped me get NFIP coverage even outside a flood zone.”
“Quotes from private carriers gave me better limits at similar costs.”
Call Today to Stay Protected From Florida Flood Risks
Get a free flood insurance quote by calling FLB Insurance Agency. Serving all of Florida.
