Flood Insurance

Flood Insurance

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

The Federal Emergency Management Agency’s (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

Florida Insurance Hub offers free, comparative quotes on flood insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.


A homeowners policy can have many exclusions – two of the biggest exclusions are flood and earthquake. A separate flood policy is needed to have flood insurance.Most homeowners assume they do not live in a flood zone because the mortgage company does not require flood insurance. In Florida, 25% of flood claims are paid in the preferred zones B, C and X.  In Florida, it is prudent to have flood insurance, because Florida is flat and is subject to torrential rains caused by low pressure systems, tropical depressions, tropical storms and hurricanes.

Is my house in a flood zone?

You can determine your flood zone using the search by address feature on the FEMA Flood Map.

What is considered flooding?

A flood is a great flowing or overflowing of water, especially over land areas that are normally dry. National Flood Insurance Program (NFIP) flood insurance policies use a more specific definition. Flood is a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from one of the following: overflow of inland or tidal waters, unusual and rapid accumulation or runoff of surface waters from any source, mudflow, collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. A water event that does not meet this definition is not, for flood insurance purposes, a “flood.”

Will FEMA pay for flood damage?

Many people incorrectly believe that the government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. You must consider the fact that if your home is flooded and disaster assistance isn’t offered, you’ll have to shoulder the massive damage costs alone. If you’re looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

What can I do to protect from flood losses?

Buy flood insurance and stay protected no matter what. When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you’ll be reimbursed for all your covered losses.  When your insured home is in imminent danger of being flooded, you may receive up to a $1,000 reimbursement for your damage-preventing expenses. Things like renting storage space to protect your belongings, buying sandbags and lumber to make a barricade, and renting pumps are all things that qualify for reimbursement through coverage under the National Flood Insurance Program (NFIP). No deductible is applied to this coverage.

How can I get flood insurance coverage?

The National Flood Insurance Program (NFIP) is run by the Federal Government as part of the Federal Emergency Management Agency (FEMA). They set the rules and rates and allow private insurance companies to write the flood policy on their behalf. FEMA ultimately pays your claim when they reimburse your insurance carrier for your claim. FEMA offers maximum limits of $250,000 Dwelling and $100,000 Contents for residential policies. Higher limits are available through the private flood insurance marketplace which is called Excess Flood.

Depending on the policy, sometimes coverage does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it could be too late.

How much does flood insurance cost?

Some of the factors that will determine how much you will pay for flood insurance include: the year your home was built, your flood zone, the elevation of your home, the deductible you choose, and whether or not your home has flood venting.


Protecting your assets is a priority; Therefore, selecting suitable insurance coverage for the best value is important.  Frequently asked questions are:  What’s the best insurance company? or Can I get a cheap insurance quote online?  There isn’t one solution to fit all when it comes to insurance. That’s why Florida Insurance Hub works with multiple carriers to provide solutions to fit your resources and needs.  Contact Florida Insurance Hub for a complimentary risk assessment and insurance quote for auto insurance, homeowners insurance, flood insurance, specialty insurance, or business insurance.  Florida Insurance Hub is an independent insurance agency based in Brevard County and serving all of Florida including Titusville, Port St. John, Cocoa, Merritt Island, Rockledge, Viera, Melbourne and Palm Bay.