Flood Insurance in South Florida

Here's a critical fact many homeowners don't realize: standard homeowners insurance does NOT cover flood damage. In Florida, where heavy rains, tropical storms, hurricanes, and coastal flooding are real risks, this gap in coverage can be devastating. At B & B Insurance Agency, we help Palm Beach County homeowners understand their flood risk and find affordable coverage through both the National Flood Insurance Program (NFIP) and private flood insurance carriers. Whether you're in a designated flood zone or not, flood insurance provides essential financial protection for your home and belongings.

You have two main options for flood insurance in Florida: National Flood Insurance Program (NFIP): The federal program administered by FEMA provides coverage up to $250,000 for your dwelling and $100,000 for contents. NFIP policies are standardized and available regardless of your flood zone. Private Flood Insurance: Private carriers often offer higher coverage limits, additional living expenses coverage, and competitive pricing. In many cases, private flood insurance can be more affordable than NFIP, especially for homes in lower-risk zones. Our agents will compare both options and recommend the best fit for your property, risk level, and budget.

FEMA designates flood zones based on flood risk. In Palm Beach County, common designations include: Zone A / AE: High-risk areas with a 1% annual chance of flooding (also called the 100-year floodplain). Flood insurance is required if you have a federally-backed mortgage. Zone X (Shaded): Moderate risk areas with a 0.2% annual chance of flooding. Insurance is recommended but not required. Zone X (Unshaded): Lower risk areas. Even here, flooding can occur. Over 25% of flood claims come from areas outside high-risk zones. Regardless of your zone, our agents recommend evaluating your flood risk. South Florida's flat terrain, high water table, and heavy rainfall season make flooding possible in any location.