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Florida Flood Insurance

Florida Flood Insurance


flood-insurance-florida
There are often misconceptions when it comes to insuring your home from flooding. According to FEMA, the highest ranked natural disaster in the United States is flooding.

If you live in Florida your home may be in a flood zone

Together with Metro Insurance Agency, we can prepare and prevent damages due to flooding by offering you the highest quality of flood insurance in Florida as possible.


The number one leading misconception is that your homeowners insurance covers your home from flooding.

The actuality of this is that homeowners insurance does not cover flood damage. This is usually noted in the first page of your homeowners policy. Another leading misconception is that Florida flood insurance is expensive which is often not the case. If your home falls under the location of the preferred risk zone, as determined by FEMA.  Another largely known misconception is many homeowners don’t believe that they live within a flood zone but this is often not the case.

FAQs About Flood Insurance

My home is in a low-risk flood zone area. Do I need flood insurance?

Anyone can be vulnerable to flooding. Just one inch of water can cause excessive damage to your property. In fact, people living outside of mapped high-risk flood zones file 25% of the National Flood Insurance Program flood claims but only receive one-third of the Federal Disaster Assistance. Floods, as well as flash floods happen in every state.

If my home is ever flooded, will federal disaster assistance pay for the damages?

Not always. Federal disaster assistance comes in the form of a low interest loan that will help cover the flood damages, but it is not compensation for your losses. Those loans are only available if the president should formally declare a disaster and it must be repaid, as well as any existing mortgage loans.

Flood Insurance for Florida Residents

If you live in Florida, you should consider a flood insurance policy to protect your most important assets. There are many insurance companies throughout the metro Fort Myers area that offer flood insurance but there is no company quite like Metro Insurance Agency. We’re more than Florida flood insurance policy experts. We will support you through any types of disasters because we consider our clients as friends.  Receive a free flood insurance quote online !


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We have professionals on staff who are
fluent in Spanish, Portuguese and Polish.

Serving the Great State of Florida

We have extensive experience working with many different types of businesses throughout the Florida area (including the areas of Punta Gorda, Estero, Fort Myers Beach, Cape Coral, Fort Myers, Lehigh Acres, Bonita Springs and Naples)