What is Flood Insurance?
Flood insurance is a specific type of property insurance that protects against property loss from flooding. It's important to know that standard homeowners and renters insurance policies do not cover flood damage. Flooding can be caused by heavy rain, storm surges, overflowing rivers, and more, making this a critical coverage for many property owners.
Why Florida Homeowners Need Flood Insurance
Florida's unique geography and climate make flood insurance essential for protecting your home and financial security.
Hurricane Season
Florida faces an active hurricane season from June through November, bringing storm surge, heavy rainfall, and potential flooding that can devastate unprotected properties.
Heavy Rainfall
Florida receives some of the highest annual rainfall in the US, with sudden downpours that can overwhelm drainage systems and cause flash flooding in urban and suburban areas.
Low Elevation
Much of Florida sits at or near sea level, making it particularly vulnerable to storm surge, rising sea levels, and poor drainage during heavy rain events.
Coastal Proximity
With over 1,350 miles of coastline, most Florida properties are within reach of storm surge and coastal flooding, even those several miles inland.
Rapid Development
Florida's rapid urban development has increased impervious surfaces, reducing natural water absorption and increasing runoff that can lead to flooding in both new and established neighborhoods.
Financial Protection
Without flood insurance, homeowners face potentially devastating out-of-pocket costs for flood damage repairs, which can easily reach tens of thousands of dollars or more.
Important Fact
Over 25% of flood claims come from properties outside of high-risk flood zones. Even if you're not in a designated flood area, Florida's unique conditions make flood insurance a smart investment for any homeowner.
What Does Flood Insurance Cover?
Flood insurance policies typically provide two types of coverage, which can be purchased together or separately:
Building Coverage
This protects the physical structure of your home and permanently attached components from flood damage.
Contents Coverage
This covers your personal belongings and movable items within your home that are damaged by flooding.
The D&E Insurance Advantage
Navigating your flood risk and insurance options can be confusing. Here's how we provide clarity and confidence:
Expert Risk Evaluation
We help you understand your specific flood risk by analyzing flood maps and property elevations. Our agents ensure you know your options and help you secure the right type of coverage for your unique situation.
Access to Leading Programs
We offer policies through the National Flood Insurance Program (NFIP) as well as a variety of private flood insurance carriers, giving you more choices. We compare rates and coverages to find the best fit for your needs and budget.
Guidance Every Step of the Way
From the initial quote to policy servicing and assistance during a claim, our team is dedicated to providing you with reliable support. We're here to answer your questions and help you protect your most valuable asset.