Floods can occur at any time, and anywhere. According to FEMA, flooding is the most common disaster in the United States. Flooding can occur for several reasons, including heavy rainfall, storm surge from a hurricane or tropical storms, or river overflow. You do not need to live in a high-risk flood zone for flood waters to cause costly damage to your home. Just an inch of flood water can cause thousands of dollars in damages to your home and possessions.

Every home has some level of risk for flood damage. In fact, floods occur in every region in the country according to FEMA.  In Florida, we are at an increased risk of experiencing flood damage. Hurricane Irma brought widespread flooding throughout our State and caused an estimated $25-$38 billion in flood damages. CoreLogic estimates, 80% of residential flood damages to not be covered by any flood insurance.


If you live in Florida, you need flood insurance.

FEMA estimates nearly 2.5 million homes in Florida are located in flood hazard zones, which is more than three times any other state in the U.S. As stated by Roy Wright, Program Chief of the NFIP, “if your driver’s license says Florida, you need flood insurance.” With floods being the costliest disaster in the country, it is pivotal to protect your home from flooding. As a responsible homeowner,  it is essential for you to understand your home’s risk of a flood to ensure you are fully covered in the event of the unexpected.

Flood Insurance can be purchased through the NFIP and private carriers, like Florida Peninsula. Our flood certified endorsement allows our eligible policyholders to cover their possessions up to a selected coverage amount. Thus, eliminating the need for a standalone flood policy. For more information on obtaining flood insurance with Florida Peninsula, speak to your agent.


Thank you for visiting our blog. At Florida Peninsula Insurance Company, we offer Florida homeowners insurance policies with comprehensive coverage you can count on when you need it most. We are one of Florida's largest homeowners insurance companies offering multi-peril policies covering homescondosrenters, and flood insurance. Get a Florida homeowners insurance quote by visiting our website.