Flood Insurance Florida | Private Flood Insurance vs. National Flood Insurance Program


Many homeowners often default to the National Flood Insurance Program (NFIP) when considering flood insurance. They may not realize that some private Florida home insurance companies offer this protection, and it’s often broader – and less expensive – than the government’s program.

AIIG Private Flood Insurance in Florida

American Integrity Insurance Group is one of a select few insurance companies certified by the Florida Office of Insurance Regulation to provide private flood insurance in Florida that meets all NFIP requirements. In fact, our flood insurance is up to 15% cheaper than NFIP policies and, unlike the NFIP, there is no waiting period for your coverage to take effect!

The chart below details the differences between AI’s program and that offered by the NFIP:


Obviously, it pays to investigate private flood insurance in Florida before jumping on the NFIP bandwagon. Contact an agent near you with American Integrity Insurance Group and save up to 15% on flood insurance with much better protection for your property.

American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.

We offer traditional and high valued homeowners insurancecondo insurancerenters insurance, and the special coverage required for vacant homesmanufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insuranceumbrella insurancegolf cart insuranceboat insurancecyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.