Flood Insurance
in Florida

Florida leads the nation in flood insurance policies — and in potential savings. We compare every private carrier and the NFIP across all 67 counties to find your best rate.

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Florida Quick Facts

Counties67

NFIP Policies1.7M+

Avg. NFIP Premium$860/yr

Avg. ShoutFlood Savings$600+

High-Risk ZonesAE, VE, A, AH

Private Carriers12+

Flood Zones

Understanding Florida flood zones

FEMA assigns flood zones based on risk. Your zone determines your rates, requirements, and options.

High Risk — Detailed

Base flood elevations determined. Mandatory flood insurance for federally backed mortgages. Common along Florida's coastlines and river systems.

Coastal High Hazard

High-velocity wave action zone. Strictest building codes and highest premiums. Found along Florida's Atlantic and Gulf coastlines.

Moderate to Low Risk

Outside the 100-year floodplain. Insurance not required but recommended — 25% of Florida flood claims come from X zones.

Shallow Flooding

Areas with 1–3 feet of flooding from ponding. Common in Florida's flat inland areas and near retention ponds.

By County

Florida counties we cover

Every Florida county has unique flood risk. Click a county to learn about local rates and zones.

Miami-Dade

2.7M residents
High Risk

Broward

1.9M residents
High Risk

Palm Beach

1.5M residents
High Risk

Hillsborough

1.5M residents
High Risk

Orange

1.4M residents
Moderate

Pinellas

975K residents
High Risk

Duval

995K residents
Moderate

Lee

760K residents
High Risk

Brevard

606K residents
High Risk

Volusia

553K residents
Moderate

Sarasota

434K residents
High Risk

Collier

393K residents
High Risk

Manatee

403K residents
High Risk

Polk

725K residents
Moderate

Pasco

555K residents
Moderate

St. Lucie

340K residents
High Risk

Osceola

405K residents
Moderate

Escambia

321K residents
High Risk

Seminole

471K residents
Moderate

Marion

375K residents
Lower Risk

Showing top 20 by population — all 67 Florida counties covered

Major Cities

Florida cities we serve

Miami Jacksonville Tampa Orlando St. Petersburg Fort Lauderdale Hialeah Cape Coral Tallahassee Port St. Lucie Fort Myers Pembroke Pines Hollywood Gainesville Coral Springs Clearwater Palm Bay West Palm Beach Lakeland Pompano Beach Daytona Beach Naples Sarasota Boca Raton Pensacola Kissimmee Ocala Deltona Key West Panama City

Florida FAQ

Common questions about Florida flood insurance

If your property is in a FEMA-designated Special Flood Hazard Area (zones A or V) and you have a federally backed mortgage, flood insurance is required. Even outside those zones, Florida's flat terrain and hurricane exposure make coverage strongly recommended.

The average NFIP premium in Florida is around $860/year, but costs vary widely by zone, elevation, and coverage amount. Private flood insurance can often save 20–40% compared to NFIP, depending on your property's specifics.

Yes. Florida has more private flood insurance carriers than any other state — over 12 admitted carriers plus surplus lines options. We compare all of them against NFIP to find your best rate.

These are separate coverages. Your homeowner's policy covers wind damage (with a hurricane deductible). Flood insurance covers water damage from rising water, storm surge, and overflow. Both are important in Florida.

FEMA's Risk Rating 2.0 changed how NFIP premiums are calculated, using property-specific data instead of just flood zone maps. Some Florida homeowners saw increases, others decreases. Private carriers often offer better rates under the new system.

Flood Insurancein Florida