Flood help for Florida homeowners
Two things bring people here. Water is in the house and it needs to stop. Or a lender, an insurer or a bad forecast has raised a flood insurance question nobody has answered plainly. We handle both — and we tell you exactly how we get paid.
Get connected with a licensed pro
Tell us where you are and what you need. We pass your details to one independent licensed professional who serves your area.
Two problems that look alike and are not
A soaked floor is an emergency measured in hours. A flood insurance question is a decision measured in weeks. Mixing them up costs people real money, so we keep them apart.
Water damage
What to do in the first 24 hours, how fast mold takes hold in a Florida summer, how to pick a restoration company without getting fleeced, and why an air-conditioning drain line is the most common water loss nobody expects.
Water damage guides →
PlanningFlood insurance
Who is actually required to carry it, what an NFIP policy pays for and what it excludes, what the published averages really say about cost, and why a new policy usually does nothing for 30 days.
Flood insurance guides →
Straight to the four questions people actually ask
My house flooded. What now?
The first 24 hours, in order — safety, water shutoff, documentation, and the calls that need making before anything gets torn out.
Do I need flood insurance?
Three separate things can make it mandatory in Florida, including a Citizens requirement that reaches every eligible policy on 1 January 2027.
What does it cost?
Published averages with sources, the six property features the price is built from, and the costs that are not the premium.
How fast does mold grow?
Why the drying clock matters more in Florida than almost anywhere else, and what "dry" actually means to a restoration technician.
The facts most Florida homeowners get wrong
The Florida Office of Insurance Regulation states that insurance for the flood peril is not typically provided in a homeowner's policy and must be purchased separately. Whether a given loss is a flood claim or a homeowners claim depends on where the water came from — which is exactly why what you photograph in the first hour matters so much.
How this site makes money
We publish free guides. When a reader asks to be contacted, we pass their details to one independent, appropriately licensed third party — a licensed Florida insurance agency, or a licensed Florida restoration contractor. That partner pays us a flat fee for each qualifying referral.
The fee is fixed. It does not go up if you buy a policy, sign a restoration contract, or spend more. We take no commission and no payment contingent on a sale, which means we have nothing to gain by steering you anywhere.
Read exactly who gets your details, and how to withdraw consent →
What we will never do
- Quote you a premium or run a pricing tool.
- Compare specific insurers or policies against each other.
- Recommend an insurer, a policy, or a coverage amount.
- Sell your details to a list of bidders, or resell them later.
All of that requires a Florida insurance licence. We do not hold one, so we do not do it — and any site that does it without one is worth closing.
FloodReady Florida is not an insurance agency, insurance agent, broker, or public adjuster, and is not licensed to transact insurance in Florida. We do not sell insurance, quote premiums, compare specific policies or insurers, or give insurance, legal, or financial advice. Nothing on this site is an offer of insurance or a recommendation of any insurer, policy, contractor, or adjuster.
When you ask to be contacted, we pass your information to one independent, appropriately licensed third party. We are paid a flat fee for each qualifying referral, and that fee is fixed and is not dependent on whether you buy anything. We receive no commission, override, or any payment contingent on a sale.
FloodReady Florida is not affiliated with, endorsed by, or acting on behalf of FEMA, the National Flood Insurance Program, the State of Florida, or any government agency. Official National Flood Insurance Program information is at floodsmart.gov.