When it comes to protecting property in Florida, standard homeowners insurance policies notoriously leave out one major hazard: flood damage.
Whether you are breaking ground on a new construction project, managing a rental property, or protecting your primary or secondary residence, securing the right flood insurance is essential. But here is the catch—not all flood policies (or agencies) are created equal.
At Harris Insurance Services, Inc., we don’t believe in a one-size-fits-all approach. We shop the most robust private flood markets in addition to the traditional National Flood Insurance Program (NFIP) to ensure you get the absolute best rate and coverage available for your specific property.
Understanding FEMA’s “Risk Rating 2.0”
If you haven’t looked at how flood insurance is priced lately, the landscape has fundamentally changed. Back in October 2021, the NFIP introduced Risk Rating 2.0—a massive overhaul designed to transition flood pricing away from broad, zone-based maps.
Under this technology-driven system, your rate directly correlates to your property’s individualized risk profile. Rather than just looking at whether you are in an “A” or “X” zone, modern risk models evaluate:
- Your exact foundation type and structural elevationÂ
- Distance to water sources (coastlines, rivers, or lakes)Â
- Heavy rainfall and historical flood frequenciesÂ
- The actual cost to rebuild your homeÂ
Because every single property is now rated independently, your neighbor’s flood insurance bill won’t look anything like yours. That makes comparing your options more critical than ever to avoid overpaying.
The Harris Insurance Advantage: 25+ Options at Your Fingertips
Why limit your search to just one provider? Because we have access to over 25+ private and federal flood options, we can do the heavy lifting for you.
Whether your property is:
- Under Construction: Securing course-of-construction flood protection from day one.
- A Investment/Rental Property: Keeping your overhead low and profit margins protected.
- Your Primary or Secondary Home: Guarding your family’s biggest asset against unexpected storm surge or heavy rain events.
We compare the market across dozens of carriers to pin down the exact combination of price, deductible, and coverage limits that fits your needs.
Let’s Find Your Best Price Today
Don’t guess when it comes to water protection. Let the team at Harris Insurance Services, Inc. quote and compare 25+ options so you can rest easy knowing you have the best price to cover flood damage.
Call us today at 850-244-2111 or Request your Quote to get your personalized flood insurance comparison.
LEGAL DISCLAIMER
Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.
