Florida flood insurance companies
Reviewed by Matt Williams, licensed Florida insurance agent (2-20 General Lines). Last reviewed November 14, 2026.
Centauri Specialty Insurance Company (Lilypad Insurance) is a flood insurer. In Florida it sells NFIP flood insurance, as an admitted company, and Demotech rates Centauri Specialty Insurance Company A (Exceptional).
Your lender set the requirement. Nobody set the price.
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Centauri Specialty Insurance Company (Lilypad Insurance) 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 Centauri Specialty Insurance Company (Lilypad Insurance) and every other flood carrier.
So the advice does not depend on which one you pick.
NFIP
Admitted
A (Exceptional) Demotech, for Centauri Specialty Insurance Company
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 on a home or a 2 to 4 unit building can cover up to $250,000 for the building and $100,000 for contents.
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 Centauri Specialty Insurance Company (Lilypad Insurance) and every other flood carrier, NFIP and private.
Yes. Centauri Specialty Insurance Company (Lilypad Insurance) sells NFIP policies. Every NFIP company has to use the NFIP's own rates and give the same coverage.
Yes. Centauri Specialty Insurance Company (Lilypad Insurance)'s insurance company, Centauri Specialty 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.
