Does home insurance cover flooding? This is one of the most Googled insurance questions in Florida year round. The answer surprises most homeowners. No, it never does. Your standard Florida homeowners policy covers wind, fire, theft, and falling objects. But…

If you own property in Florida, a single government document may be doing more to shape your insurance premiums, your mortgage requirements, and your long-term financial exposure than almost anything else. That document is called the Flood Insurance Rate Map,…

Florida sits at the center of America’s flood risk map. With over 1,300 miles of coastline, a flat inland terrain that barely rises above sea level in many areas, and a hurricane season that runs six months out of the…