Florida flood insurance companies
Reviewed by Matt Williams, licensed Florida insurance agent (2-20 General Lines). Last reviewed November 14, 2026.
Hiscox FloodPlus is a flood insurer. 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
Hiscox FloodPlus 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 Hiscox FloodPlus 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
$2,250,000
Products: FloodPlus residential flood (policy wording 17919 02/24), FloodPlus residential loss settlement endorsement.
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 Hiscox FloodPlus: 7 days from purchase; can be waived for a loan closing, for a home remapped into a high-risk zone (SFHA) in the last 60 days, or for a move from the NFIP or another private policy.
Lenders must accept a private flood policy that meets the federal definition of private flood insurance. Ask your lender to confirm before you close.
Hiscox FloodPlus'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 Hiscox FloodPlus and every other flood carrier, NFIP and private.
No. Hiscox FloodPlus 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.
