Flood Insurance in Miami, FL

Flood is the most common natural disaster in Florida, and it is excluded from every standard homeowners, condo, and renters policy. If water rises from outside and enters your home, only a flood policy pays.

We write flood coverage through the National Flood Insurance Program and through private flood carriers, and we compare both so you get the right limits at the best price.

What flood insurance covers

• Building: structure, foundation, electrical and plumbing, HVAC, built in appliances, permanently installed flooring
• Contents: furniture, electronics, clothing, portable appliances (must be purchased separately under NFIP)
• Private flood options with higher limits, replacement cost on contents, and loss of use

What Florida owners should know

NFIP building coverage is capped at $250,000 for residential and contents at $100,000. Many South Florida homes are worth far more than that, which is where private flood or excess flood coverage comes in. NFIP policies have a 30 day waiting period unless purchased in connection with a mortgage closing.

Being outside a high risk flood zone does not mean you are safe. A large share of flood claims in Florida come from properties in moderate or low risk zones, and premiums for those properties are often modest. If your lender does not require it, that is a reason to look at it, not to skip it.

Common questions

Does my homeowners policy cover flood?

No. Water damage from a burst pipe is covered under homeowners. Water that rises from outside, whether from storm surge, heavy rain, or an overflowing canal, is flood and requires a flood policy.

What is the difference between NFIP and private flood?

NFIP is the federal program with fixed limits and standardized terms. Private flood carriers can offer higher limits, shorter waiting periods, and broader coverage, sometimes at a lower price. We quote both.