Flood Insurance in Florida
Flood Insurance in Florida
Standard homeowners insurance does NOT cover flood damage. With Brevard County's coastal geography and hurricane risk, consider available flood insurance options based on your needs and selections.
Available Coverage Options
Coverage options, limits, deductibles, and availability vary by carrier and policy. Coverages are included only when selected or required by law.
- Building coverage — structural damage to your home from flooding
- Contents coverage — furniture, appliances, clothing, and personal property
- Foundation, electrical, and plumbing systems
- HVAC equipment, water heaters, and built-in appliances
- Private flood: higher limits than NFIP ($500,000+ available)
- Private flood: additional living expenses coverage
- Coverage for both high-risk and moderate-risk flood zones
- Required coverage for federally-backed mortgages in high-risk zones
Why Turner Florida Insurance?
We offer National Flood Insurance Program (NFIP) and private flood insurance options to review based on your situation and carrier availability.
We understand Brevard County's flood zones and can help you compare available coverage levels based on your risk and needs.
NFIP policies have a 30-day waiting period. Private flood policies can take effect sooner. Do not wait until a storm is named.
Common Questions
Does my homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage. A separate flood insurance policy may be available; coverage depends on the policy you select and its terms.
What is the difference between NFIP and private flood insurance?
NFIP is a federal program with set coverage limits ($250,000 for the structure, $100,000 for contents). Private flood insurance often offers higher limits, broader coverage, and sometimes lower premiums.
Ready to Get Covered?
Get a free, no-obligation quote from a local Brevard County agent today.