How much is Flood Insurance in Florida?

Get an instant flood insurance quote online and see how much money you can save! is pleased to work with some of the nation's largest private flood insurers to provide you with coverage you can trust. Our quick quote tool assesses rates from numerous carriers in seconds to get you the best coverage for the lowest price. 

Image by Denys Kostyuchenko

How much is Flood Insurance in Florida?

The average cost per policy in Florida through the NFIP is $479.30. However, if you look at the different cities, they vary substantially! Your premiums will also vary depending on the deductibles you choose for buildings and content coverage. Here are the largest cities in Florida with their average flood insurance policy cost through NFIP.

Average Costs through the NFIP*

Average Cost per Policy
St. Petersburg
Port St. Lucie
Cape Coral
Fort Lauderdale

*Prices as of April, 2021.

How do I save money on Flood Insurance in Florida?

Well, firstly get a quote from, and then compare the rate to what you would get through the NFIP. Pay attention to what is actually being covered by the NFIP, so that you're not surprised when you try to submit a claim.

Do I need flood insurance in Florida?

90 percent of all natural disasters in the U.S. involve some type of flooding. Florida is a peninsula, which makes areas extremely prone to flooding! Even if you're are not directly inside a flood zone, it doesn't mean that you are free from risk of flooding. If your home is damaged by rising water, and you don't have flood insurance, you could be paying for this expense out of pocket! And flooding damage is costly! Click Get Started to see how much a flood could cost you!

Standard Homeowner's insurance does not cover Flooding!

Typically, your homeowner's insurance will be written through Allstate, Progressive, Farmers or possibly a State Farm agent. And typically, these all exclude flood coverage. Coverage is up to you, and living in Florida, a flood insurance policy is definitely something you should consider.

Risk of Flooding in Florida.

If you don't have any coverage in place, and disaster does strike, you could be on the hook for hundreds of thousands in expenses! Flooding can cause catastrophic damage! Flood insurance can help you quickly recover without leaving you in financial ruin. 

Since mother nature is unpredictable, we cannot tell you your exact risk of flooding, and with outdated flood maps, even FEMA isn't entirely sure. When you live in a state that has experienced flooding in every county, it's better to have coverage and not need it, than to need it and not have it.

Customer Reviews