FLORIDA FLOOD INSURANCE — NFIP & PRIVATE MARKET
Hurricanes, storm surge, and heavy rain don't care about flood zones. A standard homeowners policy does not cover flood — Buddy will get you the right protection at the best price.
WHY WORK WITH BUDDY
Most homeowners only get an NFIP quote because that's all their agent offers. Buddy is an independent broker - we shop NFIP alongside private carriers like Neptune, Wright Flood, Zurich, FloodFlash, and others in one shot. One form, one phone call, one honest recommendation.
Florida sees more flood claims than any other state. Just one inch of water inside your home can cause more than $25,000 in damage — and 99% of U.S. counties have experienced a flood event in the last 25 years. Whether you're in a high-risk AE or VE zone on the coast or a preferred X zone inland, Buddy shops both the National Flood Insurance Program (NFIP) and private flood carriers to find the strongest coverage at the lowest rate.
FREQUENTLY ASKED QUESTIONS
WHO NEEDS FLOOD INSURANCE IN FLORIDA
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Homeowners with a federally backed mortgage in a Special Flood Hazard Area (legally required)
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Anyone in a coastal or low-lying area, regardless of zone
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Condo owners — the HOA's flood policy usually does NOT cover your unit's interior, drywall, flooring, or contents
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Landlords with single-family or multi-unit rental properties
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Business owners — commercial flood policies protect your building, inventory, and equipment
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Anyone in an X or B/C zone who wants affordable peace of mind (preferred-risk policies start around $500/year)
FLORIDA COVERAGE AREA
SERVING FLORIDA HOMEOWNERS AND BUSINESSES STATEWIDE
Including Port St. Lucie
Stuart
Jupiter
Palm Beach Gardens
West Palm Beach
Vero Beach
Fort Pierce
Jensen Beach
Hobe Sound
Palm City
Okeechobee
Sebastian
Melbourne
Boca Raton
Delray Beach
Tampa
Orlando
Miami
Fort Lauderdale
Jacksonville
every city in between
