Southwest Florida (SWFL) Flood Insurance

In Southwest Florida, flood insurance is a priority for many home owners, particularly residents in low-lying coastal and riverside properties. Residents in non-flood areas should be concerned about flood insurance, as well, since estimates show that up to 25% of Southwest Florida flood insurance claims occur in lower-risk areas. In fact, many fail to realize that even areas several miles from the Gulf Coast can be affected by flood risks levied by hurricanes and tropical storms, even area designated as low or moderate flood zone risks.

When it comes to Southwest Florida flood insurance, there are multiple reasons to buy. Our Gulf Coast hurricane season lasts a full six months, from June 1 through November 30. And although Southwest Florida has many times been spared a direct hit, we are not immune; remember Hurricane Charley of 2004. Southwest Florida remains vulnerable to heavy seasonal rainfall. Among the risks that necessitate securing a quality Southwest Florida flood insurance policy:

Tropical Storms and Hurricanes: High winds, soaking rain and flying debris pack a triple punch, causing storm surges in Southwest Florida coastal neighborhoods and heavy rainfall that poses flood risks hundreds of miles inland;

Heavy Rains: The Southwest Florida area gets over 50 inches of rain each year, peaking in months from June to September.

Flash Floods: A flash flood is a rapid flooding of low-lying areas in less than six hours and can be caused by intense rainfall from seasonal thunderstorms and from the collapse or overflow of dams and other man-made structures

New Development: New construction and development mean less land to absorb rainfall and change the natural drainage, creating new flood risks.

Different types of Florida Flood insurance policies are available based on your property’s location and flood history:

Southwest Florida Standard Flood Insurance Policies

If you live in a community that participates in the NFIP, your building and its contents can be covered by a Standard Flood Insurance policy. The National Flood Insurance Program (NFIP) was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a Standard Flood Insurance policy.

Southwest Florida Preferred Risk Policies

If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost Preferred Risk Policy. While you are not required to purchase flood insurance in low-to-moderate risk areas, a Preferred Risk Policy will protect your home and its contents if you are affected by a small flood, or a larger flood that has extended into your low risk area. Remember, many flood insurance claims occur in low-to-moderate risk areas.

Important information about Southwest Florida Flood Insurance

  • Rising water damage is not generally covered under a Southwest Florida homeowners Insurance policy
  • Up to 25% of all Southwest Florida Flood Insurance Claims come from low risk areas
  • Southwest Florida Flood Insurance is required in high risk areas on certain mortgages
  • There is a 30 day waiting period on brand new Southwest Florida flood insurance policies
  • Floods are the #1 disaster in the United States

If you are looking for a quote for Southwest Florida Flood Insurance, give us a call and we can help.

Located in Estero, Florida; a family owned and operated business, Rider Insurance Group was originally established in 1999. We do not work for a specific insurance company; we work for you. We represent a carefully selected group of financially sound, reputable insurance companies, and we place your policy with the company offering the best coverage at a competitive price.