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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

FEMA's "Write Your Own" Insurance Program
Floodplain management allows FEMA to monitor the NFIP and ensure flood insurance is available for property owners through individual agents and insurance companies. Generally speaking, if a home, rental property or commercial building is financed through a federally-funded or insured mortgage, structures that lie in a high-risk flood area are required to have NFIP coverage. Conversely, properties in zones with low to moderate risks are not required to participate but flood coverage is highly recommended. Coverage is NOT purchased directly from any government entity. Instead, the flood insurance rates, coverage, provisions and conditions for the settlement of a claim are the same for a given flood zone but written and serviced through private insurance companies.
Maximum Provisions of NFIP Residential Coverage

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:

  1. Building Property up to $250,000
  2. 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.

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What does home insurance cover?
Home insurance typically provides coverage for damage to your home and personal property due to specific perils such as fire, theft, vandalism, and natural disasters like storms and hail. It generally includes four types of coverage: dwelling coverage for the physical structure of your home, personal property coverage for your belongings inside the home, liability protection in case someone is injured on your property and you’re found legally responsible, and additional living expenses (ALE) if you’re temporarily unable to live in your home due to a covered loss. Coverage details and exclusions vary by policy, so it’s important to review your policy or speak with your insurance agent to understand what is and isn’t covered.
How much home insurance do I need?
The amount of home insurance you need depends on several factors, including the cost to rebuild your home in the event of a total loss, the value of your personal property, and the level of liability protection you feel comfortable with. To accurately determine the rebuilding cost, consider your home’s size, local construction costs, and any unique features or materials. For personal property, an inventory of your belongings can help assess their value. Liability coverage should be enough to protect your assets in case of a lawsuit. Consulting with an insurance professional can help you figure out the appropriate coverage amounts for your specific situation.
Can I lower my home insurance premiums?
Yes, there are several ways to lower your home insurance premiums. Increasing your deductible (the amount you pay out of pocket before insurance kicks in) can reduce your premium, but make sure you choose a deductible you can afford in the event of a claim. Installing safety devices such as burglar alarms, smoke detectors, and deadbolt locks can also lead to discounts. Additionally, many insurers offer discounts for bundling home and auto insurance or for being claim-free for a certain period. Reviewing your policy annually and comparing quotes from different insurers can ensure you’re getting the best rate for your needs.

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