Superior Flood Coverage. Aggressive Market Shopping.
Most policies stop where the water starts. We shop the NFIP and private markets to find you higher limits and lower premiums—backed by the fast, clear communication you deserve.
What Does Flood Insurance Cover?
Comprehensive protection for your home and belongings from flood damage
Building Coverage
Covers your home's structure, foundation, electrical and plumbing systems, HVAC, appliances, and permanently installed items
Contents Coverage
Protects your personal belongings including furniture, clothing, electronics, and other possessions damaged by flooding
Rising Water Damage
Covers damage from overflow of inland or tidal waters, surface water runoff, and mudflow
Homeowners vs Flood Insurance: What's the Difference?
Homeowners Insurance
WHAT IT COVERS
- Fire, smoke, and lightning damage
- Wind and hail damage
- Theft and vandalism
- Liability for injuries on property
- Internal water damage (burst pipes)
WHAT IT DOESN'T COVER
- Rising water from floods
- Storm surge and tidal flooding
- Mudflow and surface water runoff
Flood Insurance
WHAT IT COVERS
- Rising water from heavy rainfall
- Storm surge and coastal flooding
- Overflow of rivers, lakes, and streams
- Mudflow and surface water accumulation
- Building structure and contents
WHAT IT DOESN'T COVER
- Fire, wind, or hail damage
- Moisture or mold from internal sources
- Landscaping and swimming pools
Important: Most homeowners need BOTH policies for complete protection. Flood insurance typically has a 30-day waiting period, so don't wait until a storm is approaching.
NFIP vs Private Flood Insurance: Which is Right for You?
NFIP
National Flood Insurance Program
COVERAGE LIMITS
- Building:Up to $250,000
- Contents:Up to $100,000
PRICING
- Standardized rates across all insurers
- Risk Rating 2.0 pricing (property-specific)
ADVANTAGES
- Government-backed program
- Available in all flood zones
- Required for federally-backed mortgages in high-risk zones
LIMITATIONS
- 30-day waiting period
- Lower coverage limits
- No additional living expenses coverage
- Slower claims processing
Private Flood Insurance
Commercial Insurance Carriers
COVERAGE LIMITS
- Building:Up to $5,000,000+
- Contents:Up to $1,000,000+
PRICING
- Competitive rates, often lower than NFIP
- Flexible pricing based on property details
ADVANTAGES
- Higher coverage limits available
- Additional living expenses coverage included
- Faster claims processing
- Replacement cost coverage options
- May have shorter or no waiting period
LIMITATIONS
- Not available in all high-risk areas
- May require elevation certificate
Our Recommendation: We shop both NFIP and private flood insurance to find you the best coverage at the most competitive price. Many Florida homeowners save money and get better coverage with private flood insurance.
Most Common Flood Insurance Claims
- Hurricane Storm Surge: Coastal flooding from tropical storms and hurricanes causing extensive water damage
- Heavy Rainfall Flooding: Overwhelmed drainage systems and rising water levels from intense rain events
- Flash Flooding: Rapid water accumulation from severe thunderstorms in low-lying areas
- Foundation Damage: Water infiltration causing structural damage to home foundations and basements
- Contents Loss: Personal belongings, furniture, and appliances damaged or destroyed by floodwaters
- Mold and Mildew: Secondary damage from moisture and standing water after flood events
Why Choose Atesa for Flood Insurance?
We compare NFIP and private flood insurance options to find you the best coverage
Competitive Rates
We shop both NFIP and private flood insurance markets to find you the most affordable coverage options
Expert Guidance
Florida flood insurance specialists who understand flood zones, elevation certificates, and coverage requirements
Claims Support
When flooding occurs, we're here to guide you through the claims process and help you recover quickly
Get Your Flood Insurance Quote
Fill out the form below and we'll provide competitive quotes within 24 hours
Key Flood Insurance Coverage Features
Essential protection from rising water damage
Building Coverage
Covers your home's structure, foundation, electrical and plumbing systems, and HVAC
Contents Coverage
Protects personal belongings including furniture, clothing, electronics, and appliances
Rising Water Protection
Covers damage from overflow of inland or tidal waters, surface water runoff, and mudflow
Higher Private Limits
Private flood insurance offers up to $5M+ building coverage vs NFIP's $250K limit
Replacement Cost Option
Private policies may offer replacement cost coverage instead of actual cash value
30-Day Waiting Period
Coverage typically begins 30 days after purchase, so don't wait for storms
Insurance Guidance Tailored to You
Your needs come first. There is no one size fits all solution for your business or coverage. We tailor insurance to your needs, not someone else's goal.
Captive Agents
Online or Direct
Properties at Risk
Flood insurance for properties in high-risk and moderate-risk flood zones
Coastal Properties
Homes near oceans and coastlines vulnerable to storm surge and flooding
Beachfront Homes
Properties directly on the beach with high exposure to coastal flooding
Waterfront Properties
Homes along bays, inlets, and coastal waterways at risk of flooding
Riverfront Properties
Homes near rivers and streams subject to overflow and flash flooding
Lakefront Homes
Properties on lakes and reservoirs at risk during heavy rainfall
FEMA Flood Zone Properties
Homes in designated flood zones requiring mandatory flood insurance
Protect your property from flood damage with comprehensive coverage.
Check Your Flood Zone
Enter your property address to see your FEMA flood zone designation and whether flood insurance is required
Important Note
This tool provides flood zone information based on FEMA's National Flood Hazard Layer data and geographic analysis. For official flood zone determinations, Elevation Certificates, and personalized insurance quotes, contact Atesa Risk Advisors. We'll review your property's specific flood risk and find you the best coverage options.
Flood zone data provided by FEMA. For official determinations, consult a licensed surveyor or request an Elevation Certificate.
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Flood Insurance FAQs
Get answers to common questions about this coverage
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