As of October 1, 2025, the National Flood Insurance Program (NFIP) has officially lapsed due to a federal government shutdown. That means many Floridians who depend on NFIP for flood coverage may suddenly find themselves without the protection they thought they had.
At Harris Insurance, our Flood Department and Private flood solutions remain fully operational. We are ready to deliver coverage, service, and support you need without interruption.
Now, before you panic, let’s break this down in simple terms:
What’s the NFIP?
The NFIP is a government-backed program that provides flood insurance for homeowners, renters, and businesses. Millions of people across the U.S. have counted on it for decades—especially in Florida, where heavy rains and hurricanes are part of life.
But now that the program has lapsed, new NFIP policies can’t be issued and existing ones may not be renewed. In short: you might not be covered when the next big storm hits.
Why This Matters More Than Ever
If last year’s Hurricane Season have taught us anything, it’s that flooding was more costly than wind damage.
- Streets turned into rivers.
- Homes, cars, and businesses filled with water.
- Families were left with expensive cleanup and repairs. A common statistic published by the NFIP is that one inch in flood damage can cost upwards of $25,000 in damages.
Yet many Floridians still assume they don’t need flood insurance unless their home is in a “flood zone.” The truth? Every property in Florida is at risk of flooding. Whether you’re near the beach, by a river, or miles inland, rising water and rain doesn’t discriminate.
The Good News
While the NFIP may be on pause, you’re not out of options. At Harris Insurance, we specialize in private flood insurance that’s often:
- More flexible than NFIP coverage
- Faster to quote and issue
- Competitive in price
In fact, we’re one of the few agencies in the nation who can quote and issue Florida flood insurance online in minutes or in one phone call.
Our Take
Flood insurance shouldn’t just be “recommended” for a few properties—it should be required for all Florida properties. The risks are too high, and the damage is too costly to gamble with.
That’s why we’ve positioned ourselves as Florida’s Flood Insurance Experts. If the NFIP lapse has left you uncertain, don’t wait until the next storm is in the forecast.
Call Harris Insurance today. We’ll walk you through your options, get you covered quickly, and give you the peace of mind that your home, family, and future are protected.
Call (850) 244-2111
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.
