Florida Flood Insurance

Florida Flood Insurance Information

Even though flood insurance is relatively inexpensive, most homeowners
do not choose to purchase the insurance protection available. According
to the Federal Insurance Administration, less than one-quarter of the
homes in areas most vulnerable are insured against flood loss. In those
areas, flooding is 24 times more likely to occur than a fire during the
course of a typical 30 year mortgage.

A standard homeowners insurance policy will not
cover damages caused by flooding. You must have
flood insurance from an insurer that writes for the
National Flood Insurance Program. If your
community participates in a floodplain management
program, you should be eligible to buy the coverage
no matter if your flood risk is low, medium or high.
Residents of "coastal barrier areas" and
communities that do not participate in floodplain
management programs may have trouble finding
flood insurance coverage. Florida flood insurance
is also available to renters, condominium
owners, and co-op owners.

Flood Perils Include:

The washing away, collapse, or subsiding of land
along the shoreline due to erosion or undermining
of waves or currents exceeding the cyclical levels

Outside of fire, flooding is the most widespread natural
disaster. According to the National Flood Insurance
Program, two adjacent properties have to be under
water to call the situation a flood. In a rural area, at
least 2 acres must be submerged.

The two primary types of Florida Flood Insurance Policies are listed below.

The value of property as figured by determining the cost to replace the damaged or
destroyed property and adjusting the replacement value by subtracting an amount
that reflects depreciation. Or in other words, replacement cost minus
depreciation. Homeowners are entitled to a replacement cost value if they live in
their homes at least 80% of the time and have flood insurance coverage for at least
80% of their home's market value.

The amount it costs to replace or rebuild a damaged property. Replacement cost
coverage is available only for the building portion of a condominium insurance
policy. Owners of single-family homes may be able to buy replacement cost
coverage on the building portions of their flood insurance policies. A Florida flood
insurance replacement value policy will pay only the replacement value up to the
coverage limit. For example, if rebuilding your home will cost $400,000, but you
only purchased $300,000 in coverage, your insurance policy will pay you only
$300,000.

Click on the link below to fill out a secure quote request form for a Florida Flood
Insurance policy that will provide excellent personal insurance coverage at an
affordable cost. Or you can speak with our Florida Flood Insurance specialist at
(561) 496-2408 to discuss the policy features in more detail.

Click here to fill out a

Florida Flood Insurance

quote request form

We are a Delray Beach, FL based insurance agency offering affordable Florida flood insurance
policy premiums in the following cities and counties in Florida: Boynton Beach, Gulf Stream,
Boca Raton, Lantana, Rainbow Lakes, Atlantis, Lake Worth, South Palm Beach, Palm
Springs, Greenacres, Wellington, Haverhill, Palm Beach, Golden Lakes, Riviera Beach, Glen
Ridge, West Palm Beach, Lake Park, Royal Palm Beach, Jupiter, Coral Springs, Fort
Lauderdale, Parkland, Coconut Creek, Margate, North Lauderdale, Lighthouse Point, Hillsboro
Beach, Deerfield Beach, The Hamptons, Highland Beach, Weston, Plantation, Playland Isles,
Melrose Park, Lauderhill, Sunrise, Tamarac, Wilton Manors, Oakland Park, Lauderdale Lakes,
Sea Ranch Lakes, Villages of Oriole, Pompano Beach, Lauderdale-by-the-Sea, Boca West,
Boca Pointe, Juno Beach, North Palm Beach, Loxahatchee, Belle Glade, Palm Beach Shores,
South Miami, Cutler Ridge, Princeton, Perrine, Naranja, Homestead, Florida City, Leisure City,
Richmond Heights, Pinecrest, Howard, Coral Way Village, Westchester, Westwood Lakes,
Brownsville, Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami Springs,
Virginia Gardens, Hialeah, El Portal, Miami Shores, Medley, Indian Creek, Surfside, Bal
Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah
Gardens, Palm Springs North, Carol City, Norland, Ojus, Miami Lakes, Biscayne Gardens,
Hallandale, Sunny Isles Beach, Golden Beach, Aventura, Uleta, Miramar, Pembroke Pines,
North Miami Beach, Hallandale Beach, Ives Estates, Pembroke Park, Coral Gables, Kendall,
Dania Beach, Cooper City, Davie, West Miami, Hollywood, Broward County, Martin County,
Palm Beach County, and Miami-Dade County, FL. We can also offer our Florida flood
insurance coverage services throughout the Sunshine state, including in Miami, Orlando,
Tampa, St. Petersburg, Tallahassee, Pensacola, and Jacksonville, FL.

Actual Cash Value Policy

Commercial and apartment buildings will be covered only for actual cash value.

Replacement Value Policy

Unusual & rapid accumulation of runoff or surface
waters from any source

Overflow of inland or tidal waters

Mud slides caused by flooding

Sewer backup caused by flooding

To review the Federal Emergency Management Agency's
Flood Maps for your property...click HERE!

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.

[Map & Driving Directions]

Landmark Insurance Agency

4975 W. Atlantic Avenue

Delray Beach, FL 33445

Palm Beach County, Florida

(561) 496-2408

Fax: (561) 496-7740

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will provide you with an
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phone or fax. Choose the
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insurance coverage you're
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