Flood Insurance in Florida – The Marcus Group

Why Flood Insurance Matters in South Florida

Even a few inches of water can cause tens of thousands of dollars in damage to a home. Standard homeowners policies do not cover flooding, leaving many Florida homeowners vulnerable. With hurricanes, tropical storms, and heavy rainfall common in Florida, having flood insurance is essential.


At The Marcus Group, we provide access to both National Flood Insurance Program (NFIP) policies and private flood insurance, ensuring you’re protected whether you live in a high-risk or moderate-risk area.

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FLOOD INSURANCE

What Our Flood Insurance Covers

Coastal cityscape with white high-rise buildings, boats in a waterway, and lush green trees under a cloudy sky.

Building Coverage

Protects the structure of your home, including walls, flooring, electrical systems, and built-in appliances.

Personal Property Coverage

Covers belongings like furniture, clothing, and electronics damaged by flooding.

Loss of Use

Helps with temporary housing costs if your home is uninhabitable due to flood damage.

Coverage for essential systems like water heaters and electrical panels located below ground level.

Basement & Foundation Protection

Flooded suburban homes after a disaster, under a cloudy sky.

Standard vs. Preferred Flood Insurance Options

NFIP Standard Flood Insurance

  • Federally backed program covering homes in designated flood zones.
  • Available to communities that participate in NFIP floodplain management.
  • Covers damage from storms, storm surges, and heavy rainfall.

Preferred Risk Flood Policies

  • Affordable policies for homes in low- to moderate-risk flood zones.
  • Ideal for Florida homeowners outside high-risk areas.
  • Protects against unexpected flood events (25% of floods occur outside high-risk zones).

Who Needs Flood Insurance in Florida?

  • Homeowners in FEMA Flood Zones – Required by most mortgage lenders.

  • Condo & Townhouse Owners – Protecting personal property not covered by associations.

  • Renters – Coverage for personal property in flood-prone areas.

  • Secondary Homeowners – Vacation or rental properties at risk of hurricanes.

Local Risks to Consider

South Florida faces some of the highest flood risks in the U.S.:


  • Hurricanes & Storm Surges – Coastal flooding is a major threat.

  • Heavy Rainfall & Drainage Issues – Streets and homes can flood quickly.

  • Sea-Level Rise – Increasing long-term flood risks for Broward, Palm Beach, and the entire state of Florida.

  • Flooding Beyond High-Risk Zones – 1 in 4 flood claims come from moderate or low-risk areas.

FAQs – Flood Insurance in Florida

  • Does homeowners insurance cover flooding?

    No. You need a separate flood insurance policy.

  • Is flood insurance required in Florida?

    If your property is in a FEMA-designated flood zone and you have a mortgage, yes. Otherwise, it’s highly recommended.

  • What is the NFIP?

    The National Flood Insurance Program (NFIP) is a federal program that provides flood coverage to homeowners in participating communities.

  • Can I get flood insurance outside a high-risk zone?

    Yes. Preferred risk policies are available and affordable for low-to-moderate risk areas.

  • How much does flood insurance cost in Florida?

    Rates depend on your property’s location, flood history, and risk level. As an independent agency, we compare NFIP and private options.

Protect Your Home from Flood Damage

Get the Right Flood Insurance in Florida

At The Marcus Group, we’ve helped Florida homeowners secure flood protection for decades. Whether you’re in a high-risk flood zone or a moderate-risk area, we’ll find the right coverage for your property and budget.