When you live in Florida, flood risk isn’t a matter of if—it’s when. Between hurricanes, heavy rainstorms, and rising sea levels, flooding is a real concern for homeowners across the state.
But here’s the kicker: most homeowners insurance policies do not cover flood damage. And yet, many Florida residents still believe they’re protected.
At American US Insurance, we’re here to clear the confusion and help you protect your home properly. In this article, we’ll break down the most common flood insurance myths, explain FEMA flood zones, and share smart tips for choosing the right coverage—whether you live in a high-risk area or not.
What Flood Insurance Really Covers—and What It Doesn’t
Let’s start by clearing up some of the biggest myths.
Myth #1: “My homeowners policy covers flood damage.”
False. Standard homeowners insurance typically covers water damage from things like burst pipes—but not flood damage from natural disasters or rising water outside your home.
Myth #2: “I don’t need flood insurance because I’m not in a flood zone.”
False again. In fact, over 20% of flood claims come from homes located in low- or moderate-risk zones. Every property is vulnerable to some level of flood risk.
Truth: Flood insurance is a separate policy that protects your property and belongings in case of flooding.
Flood insurance generally covers:
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Your home’s structure (foundation, walls, electrical and plumbing systems)
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Built-in appliances
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Personal belongings like furniture, electronics, and clothing (if contents coverage is included)
However, it usually doesn’t cover:
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Temporary housing if you're displaced
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Cars (covered by auto insurance)
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Mold or mildew not directly caused by a recent flood
FEMA Flood Zones in Florida: Why They Matter
FEMA (Federal Emergency Management Agency) maps out flood zones to help determine the level of risk in any area. These zones play a key role in how flood insurance is priced—and whether you’re required to have it.
Here’s a breakdown of the most common FEMA flood zones:
Zone AE, VE – High risk. Flood insurance is required if you have a federally backed mortgage.
Zone A – High risk. Insurance is also required.
Zone X – Moderate to low risk. Flood insurance is not required, but still recommended.
Zone VE areas are coastal zones with additional storm surge risk. But don't assume you're safe just because you're in Zone X. Flooding doesn’t follow maps—it follows the weather. FEMA reports that just one inch of water can cause up to $25,000 in damage.
You can check your property’s flood zone using the official FEMA Flood Map Service Center online.
Or call American US Insurance at 1-800-868-9170, and we’ll help you find your zone and insurance options for free.
How to Choose the Right Flood Insurance in Florida
Not all flood insurance is the same. You have two main options:
NFIP (National Flood Insurance Program)
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Managed by FEMA
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Maximum coverage: $250,000 for structure, $100,000 for contents
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30-day waiting period before coverage begins
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No coverage for temporary living expenses
Private Flood Insurance
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Offered by private insurers
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Higher policy limits available
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May include temporary housing and additional coverages
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Shorter waiting periods (sometimes as short as 10 days)
What to Look For in a Policy:
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Adequate dwelling and contents coverage
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Replacement cost coverage instead of actual cash value
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Optional add-ons for basements, pools, or valuables
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Flexible deductibles to adjust your premium
Pro Tip: Compare both NFIP and private options. At American US Insurance, we’ll handle the comparisons for you so you get the best price and protection.
How Much Does Flood Insurance Cost in Florida?
Rates vary based on where you live, your home's elevation, and your zone. Here’s a general estimate:
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Zone X (low-risk): $400–$600 per year
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AE or VE zones (moderate to high-risk): $800–$1,500 per year or more
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Homes with Elevation Certificates may qualify for lower premiums
FEMA now uses a system called Risk Rating 2.0, which prices flood insurance based on the specific risk of your home—not just your flood zone. That means two homes on the same street could pay very different premiums.
Want to find out your exact cost? Call us at 1-800-868-9170 for a free quote.
Why Florida Homeowners Need Flood Insurance—Even in Low-Risk Zones
Flooding in Florida can happen from:
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Heavy rain
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Clogged drainage
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Tropical storms
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Overflowing lakes or canals
Florida’s flat terrain and high water table mean even inland homes are at risk. And keep this in mind—federal disaster assistance is not guaranteed. If available, it’s usually a loan that you have to repay. Flood insurance provides real protection and payout when you need it.
Take Action Before the Next Storm Hits
Most flood insurance policies have a waiting period, so don’t wait for a storm warning to take action. Prepare now.
Here's what to do:
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Check your FEMA flood zone
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Compare NFIP and private options
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Ask about discounts for elevation certificates
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Contact American US Insurance for a free quote
Ready to Protect Your Home? Call Us Today.
At American US Insurance, we specialize in helping Florida homeowners get the right flood protection—whether you live on the coast or inland.
Call us at 1-800-868-9170 and talk to a local insurance expert today.
Quick FAQ
Q: Is flood insurance required in Florida?
A: It’s required if you have a federally backed mortgage and live in a high-risk zone. Otherwise, it’s optional—but strongly recommended.
Q: What’s the difference between NFIP and private flood insurance?
A: NFIP is government-backed with limited coverage. Private flood insurance may offer higher limits, shorter waiting periods, and broader benefits.
Q: How long does it take for flood insurance to go into effect?
A: NFIP policies take 30 days to become active. Private policies can be faster—some activate in as little as 10 days.
