Don't wait until it's too late. Protect your home from Tampa Bay's biggest natural disaster risk.
Standard homeowners policies exclude flood damage. You need a separate flood insurance policy. And there's typically a 30-day waiting period before coverage begins—don't wait for a storm to be named.
Tampa Bay is one of the most vulnerable metropolitan areas in the U.S. for hurricane storm surge and flooding. Protect your investment.
Tampa Bay's geography makes it extremely vulnerable to storm surge. Even a moderate hurricane could cause devastating flooding throughout the region.
Many Tampa Bay residents qualify for preferred risk policies starting around $400-600/year. It's far less expensive than you think.
If you have a mortgage and live in a Special Flood Hazard Area (SFHA), your lender requires flood insurance. But you should consider it even if not required.
Covers the structure of your home, foundation, electrical/plumbing systems, HVAC, water heater, appliances, carpeting, and permanently installed items.
Covers your personal belongings: furniture, clothing, electronics, and portable items. Contents coverage must be purchased separately.
Temporary housing, financial losses from business interruption, landscaping, swimming pools, detached structures like gazebos, or moisture/mold that could have been avoided.
25% of flood insurance claims come from outside high-risk flood zones. Plus, flood zones can change. One inch of water can cause $25,000 in damage.
Preferred risk policies (for low-to-moderate risk areas) start around $400-600/year. That's about $1.50/day to protect your biggest investment.
FEMA disaster assistance is a LOAN that must be repaid with interest. Flood insurance provides grants that don't need to be repaid. Big difference.
There's a 30-day waiting period before coverage begins. You can't buy flood insurance when a storm is named and expect immediate coverage.
The NFIP is a federal program that makes flood insurance available to property owners in participating communities. Most flood policies in the U.S. are through NFIP, though private flood insurance is becoming more available.
We can check your property's flood zone designation for you. FEMA flood maps show risk levels, but remember: being outside a high-risk zone doesn't mean you're safe from flooding.
Costs vary based on your flood zone, home elevation, and coverage amount. Preferred risk policies can be $400-600/year. High-risk zones typically cost $1,000-3,000+ annually. We'll get you accurate quotes.
Yes! Private flood insurance options have grown significantly. They often offer higher coverage limits, broader protection, and sometimes lower rates. We work with both NFIP and private carriers.
Limited coverage. Flood insurance covers essential basement equipment (furnace, water heater) but not finished basements, personal belongings, or furniture in basements.
Flood patterns are changing due to development and climate. Areas that never flooded before are flooding now. The 100-year flood designation means a 1% annual chance—but that's a 26% chance over a 30-year mortgage.
Don't wait for the next named storm. Get protected today.
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