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How much does Florida flood insurance cost?

Florida flood insurance from the National Flood Insurance Program can cost up to $3,600 per year. The cost of a policy depends on if your home is elevated, how it's built and how much coverage you need. But the biggest thing that impacts Florida flood insurance rates is where you live.

Does Florida have flood insurance?

Most flood insurance policies currently providing coverage in Florida are underwritten by the National Flood Insurance Program (NFIP). The NFIP is managed by the Federal Insurance & Mitigation Administration which is a part of the Federal Emergency Management Administration (FEMA).

What is Florida's largest flood insurance provider?

The NFIP is Florida’s largest flood insurance provider. Your flood insurance rate will depend on factors such as your home’s elevation and proximity to water sources. Below is a breakdown of average flood insurance cost by county.

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