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.
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 (352) 686-0612 or (727) 863-5641 to discuss the insurance policy features in more detail.
We are a Florida based insurance agency offering affordable Florida flood insurance policy premiums in
the following cities and counties: Spring Hill, Hudson, New Port Richey, Holiday, Brooksville, Aripeka, Bayonet Point,
Port Richey, Gulf Harbors, Elfers, Anclote, Tarpon Springs, Palm Harbor, Land O' Lakes, Masaryktown, Garden
Grove Estates, Spring Lake, Weeki Wachee, Bayport, Brooksville, Istachatta, Pineola, Nobleton, Bushnell,
Sumterville, Center Hill, Webster, Linden, Mascotte, Tarrytown, Ridge Manor, Catherine, Trilby, Lacoochee, Dade
City, Blanton, San Antonio, St. Leo, Zephyrhills, Crystal Springs, Wesley Chapel, Pasco, Darby, Odessa, Richland,
Lumberton, Homosassa Springs, Hernando County, Pinellas County, Citrus County, Hillsborough County, and
Pasco County, FL. We can also offer our Florida flood insurance coverage services throughout the Sunshine state,
including in Winter Haven, Lakeland, Miami, Orlando, Tampa, St. Petersburg, Tallahassee, Ft. Lauderdale, and
Jacksonville, FL.
Flood Perils Include:
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
The two primary types of Florida Flood Insurance Policies are listed below.
Actual Cash Value Policy
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.
Commercial and apartment buildings will be covered only for actual cash value.
Replacement Value Policy
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.
The washing away, collapse, or subsiding of land along the shoreline due to erosion or undermining of waves or
currents exceeding the cyclical levels
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
**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.
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Serving Pasco & Hernando Counties Since 1975
Florida Flood Insurance Policy Information
(352) 686-0612
(352) 519-4202 fax
11007-11009 Spring Hill Dr.
Spring Hill, Florida 34608
Hernando County FL
also Brooksville
(352) 796-0007

In Pasco County Florida
Hudson (727) 863-5641
also New Port Richey
(727) 862-3287 and
Holiday (727) 863-5642
Fax: (727) 233-1718