Flood Insurance
Jacksonville, Florida
It is important to protect your property from damage caused by flooding. Since standard homeowners insurance does not cover flood damage associated with tropical storms, hurricanes and heavy rainfall, Congress created the National Flood Insurance Program* to offer coverage to participating communities.
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Flood Insurance in Jacksonville
By adopting and enforcing local ordinances that meet Federal Emergency Management Agency’s (FEMA) requirements, the national flood partnership guarantees that business owners, homeowners and renters have an opportunity to purchase flood insurance. Rates are categorized by a property’s flood profile for floodwater rise following a disaster.
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Coverage Explained
Standard coverage purchased under the provisions of the NFIP is a single peril policy that pays for damages based on the replacement cost or the policy’s limit of liability, but the payout is for whichever amount is less. The NFIP offers home owners flood insurance coverage for:
- Building Property up to $250,000
- Personal Property up to $100,000
There are other dwelling forms available for insuring residential condominium associations buildings and privately-owned family residential and non-residential buildings. Coverage for flood damages differ slightly and may contain a coinsurance clause with a pro rata reduction in claim payments if a building is insured for less than 80% of the replacement value.