Commercial and Residential

Flood Insurance

Flood insurance is an important step in protecting your property from costly and unexpected flood damage. Flooding can happen with little warning and may cause serious damage to buildings, personal belongings, equipment, inventory, and other valuable assets.

At Florida Flood Program, we help homeowners, condo owners, townhouse owners, and business property owners find flood insurance coverage that fits their needs. Get the protection you need before the next storm or flood event happens.

Start your flood insurance quote today and protect your property with confidence.

What's Covered?

A standard flood insurance policy helps protect your building and personal belongings when damage is caused by rising water. This is important because most standard homeowners insurance policies do not cover flood damage caused by rising water.

Flood insurance coverage typically includes two main parts:

Building Coverage
This helps protect the physical structure of your home, condo, townhouse, or commercial building, including the primary building on the insured property.

Contents Coverage
This helps protect eligible personal belongings, furniture, equipment, and other possessions inside the property.

Flood insurance is different from homeowners insurance. While homeowners insurance may cover certain types of sudden water damage, it usually excludes damage caused by flooding or rising water. In flood insurance, the term “rising water” is key because it separates flood damage from other types of water damage.

At Florida Flood Program, we help property owners find flood insurance options designed to protect what matters most before flooding happens.