Flood Insurance Florida | What is a Flood Zone?

Do I Need Florida Flood Insurance? Many Floridians think that because they don’t live in a flood zone, they don’t need flood insurance.  Unfortunately, that’s a costly and dangerous misconception.

What Are Flood Zones?

The Federal Emergency Management Agency (FEMA) defines flood zones as geographic areas according to their varying levels of flood risk. Each zone reflects the severity or type of flooding in the area, with coastal areas, low-lying areas, and locations close to sources of water are typically considered higher risk zones than those that are far from water. You can find out if your home is in a particular flood zone by entering your home’s address into the FEMA Flood Zone website.

Surrounded by water on all sides but one, and with a subtropical climate that is prone of hurricanes, tropical storms, and incredibly heavy rains, every home in Florida is at risk for flooding, in spite of any federal designations. “Fun” Fact from FEMA – the average flood claim from 2005-2006 cost $69K.

Florida Flood Insurance from American Integrity Insurance Group

Don’t risk losing your home or possessions to flooding without coverage. American Integrity Insurance Group offers up to $5 million in flood insurance  coverage for Florida homeowners - with rates up to 15% lower than NFIP options and coverage that begins immediately, with no waiting period.

American Integrity Insurance Group is among the few insurers certified by Florida’s Office of Insurance Regulation to provide coverage that meets or exceeds NFIP standards.

American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.

We offer traditional and high valued homeowners insurance, condo insurance, renters insurance, and the special coverage required for vacant homes, manufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insurance, umbrella insurance, golf cart insurance, boat insurance, cyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.