Ocala, Florida Flood Insurance
Did you know the highest ranked natural disaster in the United States according to FEMA, is flooding? Many homeowners in Florida are surprised to learn their homeowner's insurance policies don’t cover flooding events. That’s right: Most homeowners policies won’t cover flood damage.
This fact puts residents along or near Florida’s Gulf Coast in a difficult position. For coastal residents and others who live in flood-prone areas, proper flood coverage isn’t optional—it’s an absolute must.
Where Can I Buy Flood Insurance in Florida?
The overwhelming majority of flood insurance policies across the US—including in Florida—are sold under the National Flood Insurance Program (NFIP). The NFIP is administered by the Federal Emergency Management Agency (FEMA).
To purchase FEMA flood insurance, you must go through an NFIP-Direct-affiliated agency. Bird Insurance Services has proudly sold flood insurance through NFIP for many years.
What type of Florida Flood Insurance Do I Need?
Our dedicated Flood Team at Bird Insurance Services will work with you to determine the Flood Zone your Home is located in and explain ways that you may be able to lower your cost of Flood Insurance. We can determine the correct amount of coverage for your property and provide options from multiple Flood Insurance Companies in the beautiful sunshine state of Florida.
NFIP flood insurance policies come in two types:
Standard Flood Insurance
These policies are designed for residents who live in communities with an active and ongoing flood management plan. Such communities must also be able to demonstrate that they have enacted certain NFIP guidelines to reduce flood-based damages.
Preferred Risk Flood Insurance
These flood policies are designed for residents living in low-to-moderate risk zones. Such residents aren’t necessarily required to purchase flood insurance but have this option in case they experience a small flood or even an unexpectedly large one. Since preferred risk buildings are in an area less likely to experience a flood loss, property owners pay less money for the same amount of coverage.