Florida flood insurance companies
Reviewed by Matt Williams, licensed Florida insurance agent (2-20 General Lines). Last reviewed November 14, 2026.
Liberty Mutual (Liberty Mutual Fire Insurance Company) is a flood insurer. In Florida it sells NFIP flood insurance, as an admitted company, and AM Best rates the members of Liberty Mutual Holding Company Inc. A (Excellent).
Your lender set the requirement. Nobody set the price.
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Liberty Mutual (Liberty Mutual 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 Liberty Mutual (Liberty Mutual Fire Insurance Company) and every other flood carrier.
So the advice does not depend on which one you pick.
NFIP
Admitted
A (Excellent) AM Best, for the members of Liberty Mutual Holding Company Inc.
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 addressEvery 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.
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 Liberty Mutual (Liberty Mutual Fire Insurance Company) and every other flood carrier, NFIP and private.
Yes. Liberty Mutual (Liberty Mutual Fire Insurance Company) sells NFIP policies. Every NFIP company has to use the NFIP's own rates and give the same coverage.
Yes. Liberty Mutual (Liberty Mutual Fire Insurance Company)'s insurance company, Liberty Mutual Fire Insurance Company, is licensed in Florida as an admitted company.
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.
