As someone who helps people find the best rates for Florida flood insurance, we routinely here people say “How much is Flood Insurance in Florida?” This is understandable, because people want to protect their property, and the state is prone to getting hurricanes and tropical storms. The combination of this makes Florida flood insurance a must and frequent topic of discussion among homeowners. There is a lot that goes into determining how much flood insurance in Florida will cost you.

The good news is that there is no one flat rate that people pay for flood insurance in Florida. The rate varies, depending on a variety of factors. Some of the things that impact how much your rate will be include where you live and what type of zone your house is in.

Here are some additional factors that you will want to keep in mind when it comes to determining how much flood insurance in Florida will cost you:

  • The zone you are living in will help determine your flood insurance rate. There are flood zone maps that are used to help calculate rates. If you live in a designated flood zone, your flood insurance rate in Florida will be higher. If you do not live in a flood zone, your rate will tend to be lower.
  • Rates for flood insurance in Florida span from $400 per year to up to $2,000 per year, depending on where you are located. Those in areas less prone to flooding, such as Jacksonville may pay closer to $400 per year, while those in areas of South Florida may pay over $1,000 per year.
  • Some areas require that homeowners have flood insurance in Florida. If you don’t live in one of the areas where it is required, it is still a good idea to have it, so that you are protected and have the peace of mind. You can expect to pay a lower rate for flood insurance in Florida if you are not required to have it.
  • If you are buying a home, be sure to find out ahead of time if it is in a designated flood zone, because it will impact how much your flood insurance in Florida will cost.
  • Don’t take just any rate. Be sure to let us here at Webb Insurance Solutions find the best rate on Florida flood insurance.

Our mission is to help our clients find the lowest rate for their Florida flood insurance, as well as for their other insurance needs. By taking a few minutes to give us your home information, we can scour the companies out there and find you the best rate, combined with the best coverage.

Let us find the lowest Florida flood insurance rate for you!