Flood Insurance in Florida In Florida, Flooding is a very serious risk due to the geography & proximity to water of the state both inland & on the coast. So, for many homeowners in Florida, flood insurance is the essential extra layer of protection. Adding it to your insurance plan means you are covered if groundwater rises & floods your home. This isn’t covered by home policies.What Safe Insurance Group does for your property?Currently, there are many flood insurance companies in Florida, which offer various plans for flood insurance, but not all of them are proves proficient. The Safe Insurance Group offers homeowners insurance and flood insurance with insurance plans that you require for your home & business. Contact us now for a free quote & get insured.If you think you can predict mother nature… Think againThe highest ranked natural disaster in the United States, according to FEMA, Federal Emergency Management Agency) is flooding. Flood Insurance programs protect your most important investment–your home or business and its contents. The insurance is considerably less expensive than federal disaster loans and it’s 100 percent backed by the U.S. government.Did you know?The Number One Misconception is that homeowner’s insurance covers flood risk. The fact is that homeowner’s and commercial property insurance policies typically DO NOT cover flood damage, a point usually highlighted in bold letters on the first page of your homeowner’s policy.The Second Misconception is that flood insurance policies are expensive. Actually, if your home or business is located in a Preferred Risk Zone as determined by FEMA, you can purchase flood insurance for as little as $129 per year.The Third Misconception is that many homeowners think they don’t live in a flood zone. In reality, FEMA has designated the entire state of Florida as a flood zone with varying levels of risk.Water is great in pools and on waterslides, but not so much in your kitchen or bedroom, get protected.