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Florida flood insurance companies

Is The Hartford (Hartford Fire Insurance Company) a good flood insurance company?

Reviewed by Matt Williams, licensed Florida insurance agent (2-20 General Lines). Last reviewed November 14, 2026.

The Hartford (Hartford Fire Insurance Company) is a flood insurer. In Florida it sells NFIP flood insurance, as an admitted company, and AM Best rates it A+ (Superior).

Your lender set the requirement. Nobody set the price.

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Last reviewed

The Hartford (Hartford Fire Insurance Company) 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 The Hartford (Hartford Fire Insurance Company) and every other flood carrier.

So the advice does not depend on which one you pick.

The Hartford (Hartford Fire Insurance Company) at a glance: what does the record say?

Sells

NFIP

Florida status

Admitted

Rating

A+ (Superior) AM Best

Who is The Hartford (Hartford Fire Insurance Company) a fit for?

  • Anyone who wants an NFIP policy. The NFIP price for a building is the same at every NFIP company.

The Hartford (Hartford Fire Insurance Company) sells through online quote or phone; flood specialists.

The 5-point flood check

Does the company set your price? No. Your building does.

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.

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NFIP or private: what does The Hartford (Hartford Fire Insurance Company) sell?

Every NFIP company has to use the NFIP's own rates and give the same coverage. So the same building gets the same NFIP price from any of them.

An NFIP policy usually starts 30 days after you buy it. If you buy it as part of getting, refinancing, extending or renewing a mortgage, it starts at closing with no wait.

Got The Hartford (Hartford Fire Insurance Company) quote? Have it checked.

Send your address and the quote. A licensed, independent insurance agent checks it against your building and the other options and replies by email.

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We can place this one. The agent working with ShoutFlood can place The Hartford (Hartford Fire Insurance Company) and every other flood carrier, NFIP and private.

Questions about The Hartford (Hartford Fire Insurance Company)?

Is The Hartford (Hartford Fire Insurance Company) part of the NFIP?

Yes. The Hartford (Hartford Fire Insurance Company) sells NFIP policies. Every NFIP company has to use the NFIP's own rates and give the same coverage.

Does The Hartford (Hartford Fire Insurance Company) sell flood insurance in Florida?

Yes. The Hartford (Hartford Fire Insurance Company)'s insurance company, Hartford Fire Insurance Company, Hartford Insurance Company of the Midwest or Hartford Underwriters Insurance Company, is licensed in Florida as an admitted company.

Will my lender accept a The Hartford (Hartford Fire Insurance Company) policy?

An NFIP policy meets a lender's flood requirement when the coverage amount is enough for the loan. Ask your lender for the amount it needs.

What does your address need?

  1. You type your address.
  2. We show your flood zone, whether a lender will require flood insurance, and your community's discount.
  3. If you want options, a licensed, independent insurance agent compares NFIP and private policies for your building.

Sources and dates

  1. Florida Office of Insurance Regulation, Company Search. Read November 13, 2026.
  2. AM Best, AM Best Affirms Credit Ratings of The Hartford Insurance Group, Inc. and Its Subsidiaries. Read November 14, 2026.
  3. The Hartford, Flood insurance. Read November 13, 2026.
  4. 44 CFR 62.23(h)(2), Write Your Own companies use NFIP rates and coverage, eCFR. Read October 30, 2026.
  5. thehartford.com. Read November 10, 2026.
  6. 44 CFR 61.11, when NFIP coverage starts, eCFR. Read October 22, 2026.
  7. 12 CFR 22.2(k) and 22.3(c), private flood insurance a lender must accept, eCFR. Read October 26, 2026.
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