Read it to the end because incomplete information is worse then wrong information
Your homeowners insurance coverage will not cover flood damage caused by a hurricane.
To cover water and storm surge from natural disasters, you'll need a separate flood insurance policy.
The good news for Florida is that it has more federal flood insurance coverage than any other state, covering for almost 20% of all households.
Only Louisiana has a higher percentage. Only approximately 4% of properties in the United States are protected by FEMA's flood insurance program.
Many natural disasters and weather phenomena, such as wind, hail, lightning strikes, and wildfires, are covered by your homeowner insurance policy.
However, it does not cover damage caused by floods or earthquakes.
The NFIP is a federal government program administered by the Federal Emergency Management Agency (FEMA).
Private flood insurance, on the other hand, is written by private insurance carriers who are free to offer as much coverage as they want.