![]() It’s not just coastal homeowners who need flood insurance. According to NOAA, Florida gets 54 inches of rainfall on average across the state each year. Florida homes at risk of storm surge Storm categoryįlorida in particular is more at risk for floods than any other state, thanks to its 11,000 miles of rivers, streams, and waterways coupled with flat terrain. So why is flood insurance so important in Florida? Consider the sheer number of Florida single-family homes at risk of storm surge. Some counties pay even less than that on average! Do Florida homeowners need flood insurance? Our Florida flood insurance starts as low as $175 a year (that’s just $14 a month!) for Flood Zone X.
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