Flood

Get informed. Get prepared.
Get Flood Ready Florida.

Protect your family, your property, and your peace of mind.

Flood Insurance Resources

FloodSmart.gov | FEMA’s National Flood Insurance Program (FNFIP) – Find flood risk maps, coverage basics, cost estimators, and steps to buy a flood policy.

Standard NFIP policies provide up to $250,000 in building coverage and up to $100,000 in contents coverage for most residential properties.

FEMA’s Individuals and Households Program (IHP) — This provides financial and direct services to eligible individuals and households affected by a disaster, who have uninsured or under-insured necessary expenses and serious needs.

IHP assistance is not a substitute for insurance and cannot compensate for all losses caused by a disaster. The assistance is intended to meet your basic needs and supplement disaster recovery efforts.

Florida Office of Insurance Regulation (FLOIR) – Find information on private flood insurance availability in Florida.

Important Note for Homeowners: A property claim may be closed without payment if the claim is for damage caused by storm surge or local flooding, which is generally not covered. After major hurricanes, FEMA provides disaster assistance to those affected. However, to qualify, homeowners must file a claim with their insurer first, even if they know the damage is from flooding and not covered by their policy. The denial of the claim is required for FEMA to step in and provide financial assistance.

Know Your Flood Risk

FEMA Flood Map Service Center – Interactive maps to search by address and see current flood zones.

Florida Flood Hub for Applied Research and Innovation (University of South Florida) – Tools and data for understanding flood risks and future projections.

SERT – check county or city websites for local floodplain maps, mitigation grants, and evacuation routes.

Resilience & Preparedness Tools