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Florida Flood Insurance Quotes
Published October 25, 2026
Call or text 813-302-7151
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813-302-7151
813-302-7151
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We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
a week ago
Excellent service and very professional staff. They made the process easy, answered all my questions, and helped me find the right coverage. Highly recommended!
4 months ago
Communication is great and process made sinple. Very educated and professional.
2 weeks ago
Great attention to detail with exceptional service, thanks for your help 👍 definitely will recommend your services to friends and family.
a month ago
Ray & His Team have been beyond helpful these past years and continuing! Easy to communicate with, guidance throughout the process big or small company, he’s got you covered!
3 months ago
Reviews reflect individual customer opinions and experiences. They do not guarantee specific coverage, pricing, service timing, or claim outcomes.
We quote flood insurance for Florida homes, condos, rental homes, mobile homes and business buildings, through the NFIP and through private carriers. We run Florida flood insurance quotes when Citizens or a lender asks for proof of coverage, and when you simply want a price before storm season. Either way, you see the options side by side.
Call or text 813-302-7151, or send a request anytime. Most flood quotes come back within 24 to 48 hours. The insurance company decides eligibility and price after underwriting.
NFIP and private flood quotes in one place
We write both kinds of flood insurance. The NFIP is the federal flood program, and private flood policies come from private carriers that Florida allows to sell flood coverage. Private prices, limits and waiting periods change from one carrier to the next, so comparing them against the NFIP quote is where we help most. You see each option’s price, limit and start date before you choose, and you can ask us what the differences mean for your property.
If you are replacing an NFIP flood policy with a private flood policy, you could lose a discounted (subsidized) NFIP rate and may pay a higher full-risk rate if you go back to the NFIP later. Before we place a private flood policy, we will ask you to sign a notice that explains this (s. 627.715, Florida Statutes).
There’s no charge to you for a quote. The insurance company pays our commission. If you already have a flood policy, send the declarations page and we’ll quote the same limits so the comparison is fair.
What flood insurance costs in Florida
In real quotes our agency has run for Florida properties, flood insurance has ranged from $600 to $13,500 a year (about $50 to $1,125 a month). By flood zone, the annual ranges look like this:
- Zone X (lower risk), NFIP: $500 to $2,800
- Zone X (lower risk), private: $500 to $5,400
- Zone AE or A (high risk), NFIP: $900 to $7,700
- Zone AE or A (high risk), private: $700 to $17,500
By county, flood quotes have run:
- Osceola: $500 to $1,900
- Duval: $900 to $9,700
- Hillsborough: $500 to $11,000
- Pasco: $1,200 to $15,000
Each zone and county is a separate group of quotes, so some of these fall outside the overall range. We don’t show a range for coastal VE zones because none of our quotes have been in one. Your flood zone, the building’s elevation, its age and the amount of coverage you pick set most of your price. The insurance company sets the final price after underwriting.
Flood insurance for Citizens policyholders
Citizens requires flood insurance on its homeowners and other personal residential policies that include wind coverage, and it has phased the rule in over several years. Starting January 1, 2027, the rule reaches all remaining Citizens policies with wind coverage at new business or renewal, according to the Citizens flood page. Condo unit owner policies, renters policies and policies that exclude wind are exempt.
Our page on the Citizens flood insurance requirement has the full schedule, how much flood coverage Citizens asks for and how the affirmation form works. If you’d rather price the home policy too, we also run Citizens and private home quotes. If your notice has a deadline, send it with your address, and we’ll quote NFIP and private flood before your renewal.
When your lender requires flood insurance
If your home or building is in a high-risk flood zone (A, AE, V or VE) and you have a mortgage, your lender may require flood insurance. Send us the lender’s letter so we can quote the coverage amount it asks for and meet its deadline. Federally regulated lenders must accept a private flood policy that meets the federal definition, so a private quote can be an option alongside the NFIP.
If the lender has already placed its own flood coverage on your loan, send us that letter too. Once you buy a policy, we send the declarations page to the lender as proof, and the lender handles its placed coverage from there. If you’re buying a home, we can quote homeowners insurance and flood together so both are ready for closing.
If you pay through escrow and switch flood policies, we send the new declarations page to your lender and handle the escrow side. You cancel the old policy yourself once the new one is in force.
NFIP vs. private flood insurance
The NFIP sets fixed maximum limits, and FEMA lists them on its NFIP coverage page. Private terms vary by carrier.
- The NFIP covers a home with one to four units up to $250,000 for the building and $100,000 for contents.
- NFIP commercial (non-residential) policies go up to $500,000 for the building and $500,000 for contents.
- Private flood limits depend on the carrier. If you need more than the NFIP limit, we also write excess flood that sits above it.
- NFIP policies usually take 30 days to start. Private carriers set their own waiting periods, and some are shorter.
- The NFIP doesn’t pay for temporary living expenses or loss of use. Ask us whether a private quote includes them.
- Citizens accepts NFIP or private flood, and federally regulated lenders must accept private flood that meets the federal definition.
Which one costs less depends on the property, so we quote both when we can and show you the difference in price and coverage.
Private flood insurance in Florida
Florida law, s. 627.715, Florida Statutes, lets private carriers sell flood policies in several forms, from standard policies to supplemental coverage. The law doesn’t set a waiting period, so each carrier picks its own, and some are shorter than the NFIP’s 30 days. That can matter when a renewal or a closing date is close.
Coverage terms, limits and deductibles vary by carrier, so we read each private quote next to the NFIP quote before you decide. A private carrier decides whether to offer a policy after its own underwriting. If your property needs more coverage than the NFIP allows, a private policy or excess flood may close that gap.
Business and commercial flood insurance
We write flood for business buildings and contents, owners who lease buildings to tenants, condo associations and apartment buildings with five or more units. NFIP commercial policies go up to $500,000 for the building and $500,000 for contents. A condo association’s NFIP master policy can go up to $250,000 times the number of units.
Above those limits, we write excess flood, and private carriers may write the building on their own terms. The NFIP doesn’t pay for business income lost after a flood, so ask about it if a closure would hurt. Our commercial flood insurance page has business price ranges and what to send for a quote.
Flood insurance for condos, rentals, renters and mobile homes
- A condo association’s master flood policy, if it has one, insures the building up to its limits. Unit owners can ask us about flood for the unit and their belongings. See our condo insurance (HO-6) page.
- For a home you rent out on monthly leases, including a duplex to fourplex, we quote flood alongside rental home insurance.
- Renters can ask for a flood quote on their own belongings.
- A manufactured home can qualify for the NFIP when it sits on a permanent frame and is anchored to a permanent foundation. Ground anchors and tie-downs count. See mobile and manufactured home insurance.
Manufactured homes that qualify can get up to $250,000 of NFIP building coverage and $100,000 for contents, the same as other homes. RVs are not eligible for NFIP flood coverage.
When flood coverage starts
NFIP policies usually have a 30-day waiting period, according to FloodSmart. There’s no wait when you buy the policy while making, increasing, extending or renewing a mortgage loan. If your building is newly mapped into a high-risk zone, the wait is one day when you buy within 13 months of the map revision.
Private carriers set their own waits. A flood policy bought after a storm is forecast usually won’t be in force in time, so the time to buy is well before hurricane season.
If a Citizens or lender deadline is less than 30 days away, call 813-302-7151 instead of waiting on the form. We can check private carriers with shorter waits, and Citizens accepts a pending flood application with proof of payment as proof.
What to have ready for a flood quote
Send what you have. Missing items won’t stop us from starting the quote.
- The property address
- Your flood zone, if you know it
- An elevation certificate, if you have one
- Your current home or flood declarations page
- Any Citizens or lender letter, with its deadline
How getting a flood quote works
- Send your details. Call, text or use the form, and include any letter that sets a deadline.
- We compare the carriers available to us. You get NFIP and private quotes side by side, with limits and start dates.
- You pick, and we set the start date. If you have a lender, we send proof of coverage to them.
NFIP authorization and extensions
The NFIP runs on short extensions from Congress. If it lapses, new NFIP policies can pause, but existing policies stay in force until they renew. Private flood is not affected.
If the NFIP pauses before you buy, we can still quote private flood, and we’ll come back to the NFIP quote once new policies resume.
Areas we serve
We write flood insurance across Florida from our office in Zephyrhills, and most of our clients are in Tampa Bay (Hillsborough, Pasco, Pinellas and Polk counties). See our service areas for local pages, including Tampa, Wesley Chapel, Zephyrhills and Lakeland. We help in English and Spanish, and we have an Arabic-speaking team member.
Related coverage and guides
How much is flood insurance in Florida?
In real quotes our agency has run, Florida flood insurance has ranged from $600 to $13,500 a year, or about $50 to $1,125 a month. High-risk AE or A zones run higher, up to $17,500 a year for private flood in our quotes. Your flood zone, elevation, building age and coverage amount set most of the price.
Does Citizens require flood insurance?
Yes, on most homes. Citizens homeowners and other personal residential policies with wind coverage must carry flood insurance. From January 1, 2027, that applies to all remaining policies with wind coverage at new business or renewal. Condo unit owner, renters and wind-excluded policies are exempt. See our Citizens flood page for the full schedule.
Is flood insurance required in Florida?
Not for every home. It becomes required when Citizens insures your home with wind coverage, or when your lender asks for it, usually on a home in a high-risk flood zone. Outside those cases it’s your choice. A flood quote shows what the coverage would cost so you can decide.
How do I send proof of flood insurance to Citizens?
Citizens asks for its Policyholder Affirmation Regarding Flood Insurance form plus your flood declarations page, or a pending flood application with proof of payment. We fill out the form for our own clients. If you aren’t our client yet, call us so we can become your agent or move your coverage to our team, and then we handle it.
Is there a waiting period for flood insurance?
Usually 30 days for an NFIP policy. There’s no wait when you buy it with a new, increased, extended or renewed mortgage loan. A one-day wait applies when a building is newly mapped into a high-risk zone and insured within 13 months of the map change. Private carriers set their own waits, and some are shorter.
Will Citizens or my lender accept private flood insurance?
Yes, in most cases. Citizens accepts flood insurance from the NFIP or a private carrier. Federally regulated lenders must accept a private flood policy that meets the federal definition, under a rule in effect since July 1, 2019. Send us your lender’s requirements and we’ll check the private quote against them.
Does homeowners insurance cover flooding?
Usually not. Flood is sold as its own policy through the NFIP or private carriers, which is why Citizens asks for a separate flood policy on homes with wind coverage. Check the flood exclusion in your policy, and we can quote homeowners insurance and flood together.
Do you write flood insurance for businesses?
Yes. We write NFIP and private flood for business buildings and contents, condo associations and apartment buildings with five or more units. We also write excess flood above the NFIP limits, which reach $500,000 for a commercial building and $500,000 for contents. See commercial flood insurance for business price ranges.
About the Author
Raymundo Guzman
I’m Raymundo Guzman, an independent insurance agent and the owner of Covered by Guzman. I help Florida homeowners, landlords and property owners compare home, condo, mobile home and flood insurance, along with the business coverage I write every day, using the carriers available to me rather than selling one company’s product.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
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Send the Citizens or lender letter, the property address and the date the coverage must start. We’ll quote NFIP and private flood and tell you what each carrier needs to issue the policy.
