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Where To Buy Flood Insurance In Florida May 2026

Use the FloodSmart Agent Locator to find licensed providers in your area.

Managed by FEMA, the NFIP is the most common provider. You cannot buy directly from the government; instead, you must go through a local insurance agent or a "Write Your Own" (WYO) company. where to buy flood insurance in florida

In Florida, you can purchase flood insurance through two main channels: the federal or the private insurance market . Standard homeowners insurance policies in Florida typically do not cover flood damage, making a separate policy essential. 1. The National Flood Insurance Program (NFIP) Use the FloodSmart Agent Locator to find licensed

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