Is flood insurance required in Florida?

Florida does not require flood insurance, but if you live in a designated flood zone, your mortgage lender may require you to have flood insurance as a loan condition.

Can I buy flood insurance even if I’m not in a high-risk flood zone?

Yes, you can purchase flood insurance regardless of whether you’re in a high-risk flood zone or not. Many flood-related losses occur in areas that are not considered high-risk zones.

Can I purchase flood insurance at any time?

You can purchase flood insurance anytime, but there’s usually a 30-day waiting period before the coverage becomes effective. However, exceptions exist, such as when purchasing insurance for a new loan, where the waiting period may be waived.