Flood Insurance in Florida

Many homeowners are surprised to learn that standard home insurance policies do not cover damage caused by flooding. Flooding can result from heavy rains, storm surges, or rising water levels, and the costs of repairing flood damage can be significant. Flood insurance is designed to fill this gap, providing coverage for your home and belongings. In some cases, flood insurance may even be required, especially if your property is located in a high-risk flood zone.

Understanding FEMA and Flood Maps

The Federal Emergency Management Agency (FEMA) creates flood maps to identify areas at risk for flooding. These maps are used to determine whether flood insurance is required for properties in certain zones. If your home is located in a high-risk area, lenders may require you to carry flood insurance as part of your mortgage agreement. Even if you’re not in a designated flood zone, flood insurance can still be a smart investment, as flooding can happen anywhere.

Why You Should Act Before Disaster Strikes

Flood insurance must be purchased before flooding occurs, as policies typically have a waiting period before coverage begins. Waiting until a storm is approaching or water levels are rising may leave you unprotected. This is especially important for those living along Florida’s coast, where hurricanes and tropical storms can cause severe flooding. At C&M Personal Lines Insurance Agency in Orlando, FL, we help homeowners across Florida secure flood insurance to protect their property and finances.

Get Help with Flood Insurance

Flood insurance is an important part of protecting your home and belongings. Contact C&M Personal Lines Insurance Agency in Orlando, FL, to learn more about flood insurance and how we can help you find the right policy. Visit our Contact Us page to get started today.