Flood INSURANCE IN FLORIDA

At Anchor & Atlas Insurance, we help Florida homeowners understand and protect against flood risk with coverage that actually fits their situation. Based in Palm Bay, we serve families and property owners across the Space Coast, Brevard County, and throughout Florida.

Flood insurance can be confusing, and many homeowners assume they are covered when they are not. We are anchored in trust and guided by experience - which means we explain flood insurance clearly, help you understand your real risk, and guide you toward the right protection without pressure.

Flooding is one of the most common and costly natural disasters in Florida - and it can happen far beyond the coastline.

Florida flood risks include:

• Heavy rainfall and drainage issues
• Hurricanes and tropical storms
• Storm surge and rising water
• Overflow from canals, rivers, and retention ponds
• Development changing natural water flow
   

Importantly, flood damage is not covered by standard home insurance policies. Even homes outside of high-risk flood zones can experience flooding.

That is why many Florida homeowners choose to add flood insurance before they need it.

Flood insurance helps protect your home and belongings from damage caused by rising water.

Coverage may include:

Building Coverage

Helps pay to repair structural damage to your home, including walls, floors, electrical systems, plumbing, and major appliances.

Contents Coverage

Helps protect personal belongings such as furniture, clothing, electronics, and other household items.

Flood policies are structured differently than home insurance, and coverage limits and options can vary. We will help you understand what is covered, what is not, and how to choose the right limits.

Flood insurance in Florida is typically available through two options.

NFIP Flood Insurance

Backed by the federal government, NFIP policies follow standardized coverage limits and rules. They can be a good option for many homeowners, especially in certain flood zones.

Private Flood Insurance

Private carriers may offer higher limits, broader coverage options, and in some cases more competitive pricing depending on the property.

As an independent agency, we help compare NFIP and private flood insurance options to find the best fit for your home, location, and budget.

Many homeowners are surprised to learn that flood zones are not guarantees - they are guidelines.

In fact, a significant number of flood claims come from properties outside of high-risk flood zones. Flood insurance can still provide valuable protection and peace of mind, even when it is not required by a lender.

We help you:

• Review your flood zone
• Understand lender requirements
• Evaluate your real-world risk
• Decide if flood insurance makes sense for you

Flood insurance is not one-size-fits-all.

As an independent agency, we:

• Compare NFIP and private flood options 
• Explain coverage in plain language
• Coordinate flood insurance with your home policy
• Help avoid coverage gaps
• Stay available after the policy is in place
   

Our role is to help you make informed decisions - not to sell you coverage you do not need.

We assist a wide range of Florida property owners, including:

• Homeowners in coastal and inland areas 
• Homes in and out of flood zones
• New homebuyers
• Long-time Florida residents
• Rental and investment properties
• Second homes and seasonal residences
   

If you own property in Florida, flood insurance is worth a conversation.

If you’re looking for a Florida insurance agency that explains things clearly, shops multiple carriers, and truly cares about the people they serve, we’d love to help.

📞 Call or Text: 321-454-4444
📧 Email: info@anchoratlasinsurance.com
🌐 Online: anchoratlasinsurance.com

Whether you need a quote, a second opinion, or just answers - we’re here.