Do yourself a favor and just assume that your Florida property, either commercial or residential, sits inside a flood zone. Seriously. It’s FLORIDA. The National Flood Insurance Program (NFIP) has more policies here than any other state not for nothing. Your property, surrounded by flood-prone areas, has no magical immunity to flooding. The correct question is whether you’re in a flood zone that qualifies for preferred (aka discounted) rates. Lots of property in Florida does qualify. Even if yours doesn’t, NFIP rates are federally subsidized. Assuming your property lies within in a participating community, you should ask us for a quote. We can quote private flood policies, too. Just remember: the only way to insure against flood damage is with a flood policy. You won’t find it offered on any other type of insurance policy. Click here to contact.