Flood Insurance Florida | What is a Flood Zone?

Do I Need Florida Flood Insurance? Many Floridians think that because they don’t live in a flood zone, they don’t need flood insurance.  Sadly, this is not only a dangerous misconception, it can also be an expensive one.

What Are Flood Zones?

The Federal Emergency Management Agency (FEMA) defines flood zones as geographic areas according to their varying levels of flood risk. Each zone reflects the severity or type of flooding in the area, with coastal areas, low-lying areas, and locations close to sources of water are typically considered higher risk zones than those that are far from water. You can find out if your home is in a particular flood zone by entering your home’s address into the FEMA Flood Zone website.

Surrounded by water on all sides but one, and with a subtropical climate that is prone of hurricanes, tropical storms, and incredibly heavy rains, every home in Florida is at risk for flooding, in spite of any federal designations. “Fun” Fact from FEMA – the average flood claim from 2005-2006 cost $69K.

Florida Flood Insurance from American Integrity Insurance Group

Why risk losing your possessions to flooding with no coverage? American Integrity Insurance Group offers flood insurance up to $5 million in coverage to Florida homeowners. Plus, our rates are up to 15% lower than those available through the NFIP, for much better coverage!

American Integrity Insurance Group is one of only a few insurance companies certified by Florida’s Office of Insurance Regulation as providing coverage at least as broad as that offered by the NFIP. And, our coverage goes into effect immediately, with no waiting period.


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.