Managed by FEMA, the NFIP is the most common provider. You cannot buy directly from the government; instead, you must go through a local insurance agent or a "Write Your Own" (WYO) company.
Typically capped at $250,000 for the structure and $100,000 for personal property.
Use the FloodSmart Agent Locator to find licensed providers in your area.
Standard policies have a 30-day waiting period before coverage becomes active. 2. Private Flood Insurance
In Florida, you can purchase flood insurance through two main channels: the federal or the private insurance market . Standard homeowners insurance policies in Florida typically do not cover flood damage, making a separate policy essential. 1. The National Flood Insurance Program (NFIP)
Flood Insurance Overview - Florida Department of Financial Services
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