Flooding is one of the most common and costly natural disasters, yet many Florida homeowners remain uninsured for flood damage. A common misconception is that flood insurance isn’t necessary unless you live in a high-risk zone. However, the reality is quite different: If it rains, it can flood. And in Florida, where water surrounds us, every home carries some level of flood risk.
The Reality of Flood Risk in Florida
Florida’s unique geography means flooding isn’t just a coastal issue. Heavy rainfall, storm surges, and even clogged drainage systems can turn a quiet neighborhood into a flood zone overnight. Hurricanes like Helene have proven that floodwaters don’t stop at FEMA-designated boundaries. In fact, nearly 40% of all flood insurance claims come from properties outside high-risk flood zones. That statistic alone highlights why every homeowner should consider flood coverage—even if their mortgage lender doesn’t require it.
Homeowners Insurance Doesn’t Cover Flooding
Many homeowners assume their standard insurance policy covers flood damage—it doesn’t. Without a separate flood insurance policy, homeowners are responsible for all repair costs out of pocket. And those costs add up quickly: Just one inch of water can cause more than $25,000 in damage.
Flood Insurance Is More Affordable Than You Think
Flood coverage isn’t just for those in FEMA-designated flood zones—it’s an essential safeguard for any Florida homeowner. Through VYRD’s strategic partnership with Flood Risk Solutions, homeowners can secure coverage through an independent agent—often at a lower cost than expected, especially in lower-risk areas.
Why Now?
Flood insurance policies typically have a 30-day waiting period before coverage takes effect. That means waiting until a storm is in the forecast is too late. Hurricane season begins June 1, serving as a reminder that planning ahead is key to protecting your home and finances before the next major rainfall event.
Take Action Today
If you’re unsure whether your home is protected, now is the time to speak with an independent insurance agent. Locate an agent who can assist you in purchasing flood insurance coverage before the next storm arrives.