Florida flood insurance companies
Reviewed by Matt Williams, licensed Florida insurance agent (2-20 General Lines). Last reviewed November 13, 2026.
Aon Edge is an insurance agency that sells policies written by certain syndicates at Lloyd's of London. In Florida it sells private flood insurance, as a surplus lines policy, and AM Best rates Lloyd's A+ (Superior).
Your lender set the requirement. Nobody set the price.
Check my addressLast reviewed
Aon Edge is a name on a quote.
What decides your price is your building and your zone.
We check both.
The agent working with ShoutFlood can place Aon Edge and every other flood carrier.
So the advice does not depend on which one you pick.
private
Surplus lines
A+ (Superior) AM Best, for Lloyd's
$6,800,000
Products: EZ Flood (homes), Excess Flood, EZ Flood Commercial.
Aon Edge sells through agents and brokers only.
The 5-point flood check
Your flood zone decides if your lender requires a policy. The price depends on the building: its elevation, its foundation, its first floor and what it would cost to rebuild. Your community's rating can add a discount.
Check my addressWait for a new private policy at Aon Edge: 15 days; none when bought at a loan closing.
Lenders must accept a private flood policy that meets the federal definition of private flood insurance. Ask your lender to confirm before you close.
Aon Edge's Florida flood policy is a surplus lines policy. Florida's guaranty fund does not cover surplus lines policies, and the policy says so on its first page.
Send your address and the quote. A licensed, independent insurance agent checks it against your building and the other options and replies by email.
We can place this one. The agent working with ShoutFlood can place Aon Edge and every other flood carrier, NFIP and private.
Aon Edge is an insurance agency that sells policies written by certain syndicates at Lloyd's of London. In Florida it sells private flood insurance, as a surplus lines policy, and AM Best rates Lloyd's A+ (Superior). The company does not set your price. Your building does.
No one company is right for every building. Your zone decides if your lender requires flood insurance. The price depends on the building itself. Compare NFIP and private options for your address.
No. Aon Edge sells private flood insurance, not NFIP policies. You can still compare it with an NFIP policy for the same building.
Yes, as a surplus lines policy. Florida's guaranty fund does not cover surplus lines policies.
Lenders must accept private flood policies that meet the federal definition. The federal rule counts a surplus lines policy only for some commercial policies, so ask your lender before you buy.
