Florida flood insurance · NFIP
Protection from the water your homeowners policy won’t cover
Standard homeowners insurance typically does not cover flood damage. Whether your lender requires flood insurance or you simply want the peace of mind that comes with protecting your home from unexpected flooding, Orange Insurance offers flood coverage options to meet your needs.
- Separate policyFlood damage is typically not covered by standard homeowners insurance
- NFIPCoverage through Wright Flood, in compliance with National Flood Insurance Program underwriting requirements
- Any flood zoneFlooding can happen even in areas that aren’t considered high-risk flood zones
Who it’s for
Flood coverage for Florida homeowners
Flood insurance is designed for homeowners who want protection from flood-related damage. Your independent agent can help you decide whether it makes sense for your home.
Your lender requires it
Many mortgage lenders require flood insurance for homes in certain flood zones. Your agent can help you get the coverage your lender asks for.
You want peace of mind
Even when it isn’t required, flood insurance adds an important layer of protection for your home against unexpected flooding.
Your home is outside a high-risk zone
Heavy rain and storms can flood homes in moderate- and low-risk areas too. Being outside a high-risk flood zone doesn’t mean your home can’t flood.
Built for Florida
Florida’s flood risk goes beyond the coast.
Florida homeowners face unique flood risks because of the state’s frequent storms, heavy rainfall, coastal exposure, and potential for rising water levels. That makes separate flood coverage an important consideration for many homeowners.
Common causes of flooding in Florida:
- Hurricanes and tropical storms
- Heavy rainfall
- Coastal exposure
- Rising water levels
Flooding can happen even in areas that aren’t considered high-risk flood zones. Our free What’s My Risk? tool shows the FEMA flood zone and flood risk for any Florida address.
Coverage basics
How flood insurance works with your property policy
Flood insurance is a separate policy. It works alongside your Homeowners, Condo, or Dwelling Fire policy to help fill a gap those policies typically leave.
Homeowners, Condo, or Dwelling Fire
- Helps protect your property from covered losses, subject to policy terms
- Flood damage is typically not covered
A separate policy for flood damage
- Offered by Orange Insurance through Wright Flood
- Coverage backed by the U.S. government
- In full compliance with National Flood Insurance Program (NFIP) underwriting requirements
- Helps protect your home from losses caused by flooding
Before you buy
Good to know
Don’t wait for the forecast
NFIP flood policies typically have a 30-day waiting period before coverage begins, with some exceptions. Buying when a storm is already on the way is usually too late.
Know your flood zone
Your home’s FEMA flood zone can affect whether your lender requires flood insurance. Look up any Florida address with What’s My Risk?
Save on your Orange policy
Eligible members may qualify for the Orange Flood Policy Discount on their Homeowners or Condo policy. Discount availability depends on eligibility and underwriting guidelines.
Independent agents
Get flood coverage through your Orange agent
An independent Orange Insurance agent can help you understand your flood risk and how flood coverage works alongside your property policy. Your agent can help explain:
- Whether your lender requires flood coverage
- Your home’s flood zone
- How flood and property coverage work together
- When your coverage begins
- Available discounts
Other Orange policies
Explore other coverage
Homeowners insurance
For the home you live in, including second and seasonal homes. Protect your home, belongings, liability, and more.
Condo insurance
For condominium unit owners. Cover your interior, belongings, and liability.
Dwelling Fire insurance
For rental properties and homes that don’t fit a standard homeowners policy.
Compare all policies
See our Homeowners, Condo, and Dwelling Fire policies side by side.
Don’t wait for the water to rise
An independent Orange agent can help you understand your flood risk and find flood coverage that fits your home, before the next storm.
Important coverage information: Coverage descriptions are provided for informational purposes only. Flood insurance is offered through Wright Flood and is subject to National Flood Insurance Program rules, policy terms, conditions, exclusions, limitations, waiting periods, and eligibility requirements. Flood insurance is a separate policy from your Orange Insurance Homeowners, Condo, or Dwelling Fire policy. Please consult your independent agent to determine the flood coverage options available for your property.