Flood Insurance

Florida is known for having often unpredictable weather, including a rising rate of floods. Flooding causes millions of dollars in damage each year. Whether you live by the coast or further inland, your Florida home or business could suffer flood damage. Unfortunately, most property policies exclude flood damage from their coverage.

At Nolan Family Insurance Agency, we will help you protect what matters most with a reliable and affordable flood insurance policy. Adding flood insurance to your home or business policy should be quick, easy and simple. We help make that happen by comparing prices and policies for you. We make sure that you won’t sacrifice important coverage for a good price.

Protect from Floods Today

While floods aren’t preventable, you can protect your assets by having a policy in place in the event a flood does happen. A flood insurance policy can help you replace your belongings and repair your home after a disaster. Call Nolan Family Insurance Agency at (941) 639-1122 or fill out an online quote form to get started today.

Common Flood Insurance Questions:

What Does Flood Insurance Cover?

Overall, flood insurance covers water damage your physical home and personal belongings may suffer after a natural flood. This includes damage to the home and its attached structures as well as any items you may want to protect, such as furniture and certain appliances.

How Much Flood Insurance Do I Need in Florida?

There is no federal mandate that states you must have flood insurance in Florida, but this does not mean you can go without it. Many lenders will require you to have flood insurance on a home with a mortgage, especially if you live in an area with a high risk of flooding.

If there have been floods in your area, it is safe to assume that more floods can happen. You should have the right flood insurance policy to cover your home and belongings in case of damage. Water damage can be especially dangerous, as it is not always noticeable once it first occurs. Speak with a Nolan Family Insurance Agency agent to discuss how much flood insurance you need to protect your assets.

Is All Flood Insurance Through FEMA?

Most flood insurance policies are offered by FEMA through private insurers. Nolan Family Insurance Agency helps you compare quotes and policies between insurers so you can find the best flood insurance policy for your needs and budget.

How Much Is Flood Insurance in Florida? 
Your flood insurance rate may vary depending on whether you live in a high-risk zone, what your property's elevation is and your home’s structure. Sometimes, you may also get a higher flood insurance quote if your home is used as a rental property or if you occupy it less than half the year, which is common for many Florida homeowners.  

The FEMA Flood Map can help you identify which zone your home is in to help you determine your flood insurance rate. In addition, our team at the Nolan Family Insurance Agency can also help you determine your policy cost. 

Why Do I Need Flood Insurance?

Flood insurance is crucial for property owners throughout Florida. Basic property insurance policies don’t cover water damage, so flood insurance is an extra step to protect your important physical assets.

Where is Flood Insurance Required?

Flood insurance is generally required in high-risk flood zones. It is also required for many homes that still have a mortgage in certain states where floods are frequent.