Flood insurance for your home or property
Standard homeowners insurance does not cover flood damage. A licensed Direct Insurance Solutions agent can help you request a flood insurance quote. Availability varies by state.
- Flood coverage is a separate policy from a standard homeowners policy
- Options may include NFIP and private flood insurance
- NFIP policies typically have a 30-day waiting period, with limited exceptions
- Licensed DIS agents — service in English and Spanish
- Over 25 years of combined experience
¿Necesita una cotización de seguro contra inundaciones? Llame al 800-619-8959 y hable con un agente con licencia.
Direct Insurance Solutions, Inc., is a licensed insurance agency. Florida Agency License No. L103066 | NPN 18865076. 197 Bougainvillea Dr, Suite D, Rockledge, FL 32955. See our Google Business Profile for current office hours.
Request a flood insurance quote
Call a licensed Direct Insurance Solutions agent to review flood options for your property. Coverage is not guaranteed, and availability varies by state.
Homeowners insurance doesn’t cover flood
A standard homeowners policy covers many perils, but flood damage is generally excluded. That includes flooding from storm surge, overflowing bodies of water, and heavy rainfall that causes rising water to enter the property.
Flood coverage is a separate policy. Deductibles, coverage limits, waiting periods, and exclusions apply, and coverage is subject to underwriting, policy terms, and availability. A licensed agent can help you review whether a flood policy is appropriate for your property.
Who needs flood insurance?
Flood insurance is often required by a mortgage lender if the property is in a FEMA Special Flood Hazard Area (a high-risk flood zone). It can also be a sensible discussion even if your property is outside a high-risk zone, or if a lender does not require it, because flooding can occur outside those areas.
A lender, condominium association, or other party may require flood insurance in situations that go beyond a high-risk flood zone. A licensed agent can help you check what applies to your property. If you have a Citizens policy, see the Florida section below.
Florida flood insurance notes, including the Citizens requirement
Citizens policyholders. If you have a Citizens personal residential policy that includes wind coverage, Florida law generally requires you to keep qualifying flood insurance as a condition of remaining eligible for Citizens. That requirement already applies in FEMA Special Flood Hazard Areas and to higher-value dwellings. Beginning January 1, 2027, it also applies to the remaining personal residential Citizens policies, regardless of flood zone or dwelling value, with limited exceptions.
Condominium unit-owner policies and Citizens policies that do not include wind coverage are generally not subject to this Citizens flood requirement. To meet the Citizens rule, dwelling (building) flood coverage is what is required; contents coverage is a separate choice unless you want it or another party requires it.
This Citizens rule is not a statewide mandate for every Florida homeowner. A lender, condominium association, or other party may still require flood insurance in situations the Citizens rule does not cover. Citizens does not sell flood insurance. Rules and documentation requirements can change. Confirm what applies to your property with a licensed DIS agent and with Citizens.
NFIP and private flood insurance
Flood insurance is commonly available through the National Flood Insurance Program (NFIP) or through a private flood insurer.
Plan for the waiting period. NFIP policies typically have a 30-day waiting period before coverage begins. There are limited exceptions, including certain loan closings and flood-map changes. Private flood policies may use a different waiting period—or none—depending on the insurer and the policy. Coverage is subject to policy terms. Do not wait until a storm is approaching to apply.
NFIP and private policies can differ in limits, deductibles, exclusions, and waiting periods. Whether a given policy meets a lender’s or, in Florida, a Citizens requirement depends on the policy and the rules that apply to you. Coverage is subject to underwriting, policy terms, and availability. A licensed agent can help you compare NFIP and private flood options we are appointed to offer. Availability varies by state.
How to get a flood insurance quote
Call 800-619-8959 with your name, contact information, and property address. A licensed Direct Insurance Solutions agent will take the request.
We look at NFIP and private flood options from the carriers we represent and gather the property details needed to quote. Availability varies by state.
We will walk you through the premium and the policy terms, including deductibles, limits, waiting periods, and exclusions, before you decide whether to apply. A quote is not a binder and is not a guarantee of coverage.
Helpful details to have ready
- Property address
- Mortgage or lender information, if any
- Whether you have (or are applying for) a Citizens policy
- Any current or prior flood policy information
Carriers we work with
The carriers we work with include National General (NatGen) for NFIP flood and American Integrity for private flood. National General flood may be available in states other than Florida. Availability varies by state. A quote is not a guarantee of coverage.
We compare the appointed flood carriers that can consider your property. We do not offer every flood insurer.
Carrier names are trademarks of their respective owners and are used here only to identify the companies. Use of a name is not an endorsement of Direct Insurance Solutions by that company, and it is not an endorsement of that company by Direct Insurance Solutions. No carrier logos are used on this page.
Over 25 years of combined experience Our licensed agents bring over 25 years of combined experience helping clients review coverage, including flood insurance.
Florida Agency License No. L103066 | NPN 18865076
197 Bougainvillea Dr, Suite D, Rockledge, FL 32955
Why work with Direct Insurance Solutions
We shop the appointed flood markets that fit your property
As an independent agency, we can help you compare NFIP and private flood options from the carriers we are appointed to offer, so you can see more than a single company’s quote.
Waiting periods explained clearly
We explain the typical NFIP 30-day waiting period, the limited exceptions, and that private flood waiting periods can differ. We cannot guarantee when coverage will start until a policy is issued.
Lender and Florida Citizens requirements
We can help you review whether a flood policy may be needed for a lender, a condominium association, or — if you have a Florida Citizens policy — Citizens eligibility.
No cost for guidance
There is no fee for speaking with our licensed agents. Carrier compensation may apply if you purchase a policy through us. Service is available in English and Spanish.
Flood insurance resources
Use these as practical starting points before talking with a licensed agent. Official program information is on FloodSmart.gov.
FloodSmart.gov
Review official information about flood risk, the National Flood Insurance Program, and why flood is a separate policy.
Homeowners insurance coverage
See how a standard homeowners policy works, and why flood is not included, on our homeowners page.
The Most Common Florida Flood Insurance Solutions
A Direct Insurance Solutions article on common Florida flood insurance options.
Understanding the Florida Flood Insurance
Background on how Florida flood insurance works and what it typically covers.
Florida Flood Insurance: Protecting Your Property from Natural Disasters
An overview of flood risk, NFIP and private options, and why flood is a separate policy.
The Importance of Flood Insurance in Florida
Why Florida homeowners should consider a separate flood policy even outside a high-risk zone.
Common flood insurance questions
No. Standard homeowners policies generally exclude flood. Flood coverage is purchased as a separate policy. Deductibles, limits, and exclusions apply.
Anyone with a property can consider it. A mortgage lender may require flood insurance if the property is in a FEMA Special Flood Hazard Area (a high-risk flood zone). It can also be worth discussing if you live outside a high-risk zone, because flooding can occur there too. Some Florida Citizens personal residential policyholders must maintain qualifying flood insurance to stay eligible for Citizens. See the Florida section on this page.
Most personal residential Citizens policyholders who have wind coverage must keep qualifying flood insurance as a condition of Citizens eligibility. The requirement already applies in high-risk flood zones and to higher-value dwellings, and it extends to remaining personal residential Citizens policies on January 1, 2027. Condominium unit-owner policies and Citizens policies without wind coverage are generally excepted. Dwelling coverage is what the Citizens rule requires; contents coverage is a separate choice. A licensed agent can help you confirm how the rule applies to you.
NFIP policies typically have a 30-day waiting period before coverage begins, with limited exceptions (including certain loan closings and flood-map changes). Private flood policies may have a different waiting period, or none, depending on the insurer and the policy. Coverage is subject to policy terms. Do not wait until a storm is approaching to apply.
The NFIP is the federal flood program. Private insurers also offer flood policies, which may differ in limits, deductibles, exclusions, and waiting periods. The better fit depends on your property and any lender or (in Florida) Citizens requirements that apply. We cannot promise a lower premium or broader coverage than a policy you already have. Availability varies by state.
Call 800-619-8959. A licensed agent will review options from the carriers we represent and follow up with a quote if the property is eligible. Coverage is not guaranteed until a policy is issued.
Ready to talk through a flood insurance quote?
Call 800-619-8959 to speak with a licensed Direct Insurance Solutions agent. There is no fee for the conversation. Carrier compensation may apply if you purchase a policy through us.
This page is for general information only. It is not legal advice and is not a promise of coverage, eligibility, or savings. Flood insurance is a separate policy from homeowners insurance. Deductibles, coverage limits, waiting periods, and exclusions apply. Coverage is subject to underwriting, policy terms, and availability, and rules can change. A quote is the only way to know the premium and terms for your property. A quote is not a binder and is not a guarantee that coverage will be offered or bound.
Standard homeowners policies generally exclude flood. NFIP policies typically have a 30-day waiting period before coverage begins, with limited exceptions. Private flood waiting periods can differ depending on the insurer and the policy.
Carrier names (including National General, NatGen, American Integrity, Citizens, and NFIP) are trademarks of their respective owners. Use of those names is for identification only and is not an endorsement of Direct Insurance Solutions by those organizations, or of those organizations by Direct Insurance Solutions.
Direct Insurance Solutions, Inc., is a licensed insurance agency, not an insurance company. Florida Agency License No. L103066 | NPN 18865076. 197 Bougainvillea Dr, Suite D, Rockledge, FL 32955. Phone 800-619-8959. See our Google Business Profile for current office hours. For official program information on flood insurance, visit FloodSmart.gov. For Citizens flood-eligibility information, visit Citizens’ flood requirements page.