Florida
Florida flood insurance quotes — NFIP and private
We look up your FEMA flood zone from your address and quote both NFIP and private flood markets. Private carriers frequently beat NFIP on X-zone and newer construction, while NFIP is often the better option for pre-FIRM homes with an elevation certificate.
Show my quotes →What moves the price
- FEMA flood zone (AE, VE, X) and whether the property is pre- or post-FIRM
- Building and contents limits — mortgage lenders usually require maximum building coverage
- Deductible selection (commonly $10,000 on lender-required policies)
- Elevation certificate availability for pre-FIRM homes
- Prior flood claims and community rating system discounts
NFIP vs. private flood
Both are legitimate and both satisfy lenders. The differences that matter:
- NFIP caps building coverage at $250,000 and contents at $100,000; private carriers can go higher
- Private flood often has a shorter waiting period than NFIP's standard 30 days
- NFIP pricing follows Risk Rating 2.0 and is not negotiable; private pricing varies by carrier appetite
- Private carriers can include replacement cost on contents, which NFIP does not
What we quote by default
With no mortgage we start at $50,000 building and $50,000 contents with a $10,000 deductible. If a mortgage or bank is present we quote maximum building and contents limits with a $10,000 deductible so the policy satisfies lender requirements on the first pass. You can override any of it before binding.
Common questions
It is not lender-required in most X zones, but roughly a quarter of flood claims come from outside high-risk zones. Preferred-risk X-zone policies are inexpensive, which is why we quote them alongside your home policy.
NFIP policies normally have a 30-day waiting period, with exceptions for loan closings. Many private flood carriers can start sooner.
Related: Florida flood zones · Condo HO-6 insurance · Quotes by city
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