Stellar Re Flood Insurance.
Easy, low-cost, and worry free.

Flood Insurance

Florida Flood Insurance: By Floridians, For Floridians.
What is flood insurance? Whether you’re native or a new resident, you are likely familiar with the temperamental weather and hurricane-prone climate of the Sunshine State. It only takes a few inches of water to rack up tens of thousands of dollars worth of damage. Shield your home with a flood insurance policy to avoid economic disaster when storms strike.

Am I Required to Buy Flood Insurance in Florida?

If you live in a high-risk flood zone in Florida, you will be required by law to purchase a flood insurance policy.
If you don’t happen to live in a high-risk area, that doesn’t necessarily mean you are in the clear. It is still highly advisable to purchase a minimum flood policy.
Natural disasters, flash floods, and even new construction projects that change how water drains could potentially damage your property and wreak economic havoc on your home. Talk to a Stellar Re agent to get an affordable flood insurance policy today.

Flood Insurance in Florida: What Does it Cover?

In the case of a flood, insurance will cover your home appliances, essential systems, the structure and flooring of your house, and all of your personal electronics. The cost of replacing these on your own can be exorbitant.

Appliances and Essential Home Systems

Kitchen appliances (and the food within), washer and dryer, and essential systems such as heaters and AC are all covered.

Structural and Flooring Damages

Cabinets, carpets, attached staircases, and even unattached garages will be covered by flood insurance.

Personal Property and Valuables

Clothing, furniture, and all of your electronics and valuables worth up to $2,500 are all covered with flood insurance.

What Does Flood Insurance NOT Cover?

Other Environmental Factors

This could be mold or mildew damage which could be reasonably avoided. This also includes any damage caused by earth movement, even in relation to the flooding.

External Effects

Business interruption-related financial losses, loss of property use, and temporary housing expenses.

Certain Belongings and Assets

Vehicles, currency, and belongings located outside of the home are not covered by flood insurance.

What is the Florida Minimum SR22 Requirement?

SR22 in Florida requires that high risk drivers carry $10,000 of bodily injury coverage for one person, $20,000 for injury to two or more, and $10,000 for property damage.

There are 3 Types of SR22: Find the Right One for You.

Non-Owner's Certificate

For those who drive vehicles that are not registered in their own name. Perfect for drivers who only drive occasionally or exclusively drive rental cars.

Owner's Certificate

For those who will be exclusively driving a vehicle registered in their own name.

Owner-Operator Certificate

For those who drive vehicles that are both owned by them and vehicles owned by others. This is the most popular type of SR22.

Do I Really Need Flood Insurance?

Do I Really Need Flood Insurance?

Florida falls within FEMA’s highest level of storm frequency and into varying degrees of flood risk based on FEMA assigned flood zones.
While many homes are at risk due to their proximity to the coast or other bodies of water, 25% of all flood claims are from low-medium risk communities.
You may not believe it will happen to you, but Florida is the old stomping ground for water-related natural disasters. Get prepared with a Stellar Re policy.

Florida Flood Zones Explained By Risk

Every property is in a flood zone.
The question is – how high or low is the risk?


Enter your address into the FEMA flood map service to find your flood zone.

How Much is Flood Insurance in Florida?

At Stellar Re, our goal is to connect you with the insurance that’s right for you (we are self-proclaimed policy matchmakers), and while there isn’t a clear cut quote for everyone because premiums vary based on the home, the average annual flood insurance premium sits at $700.

Agreed Value

Should your home suffer a total loss, insurance will pay the agreed upon amount in your policy, regardless of depreciation.

Actual Cash Value

Should your dwelling suffer a total loss, insurance will provide coverage up to the current market value of your home, accounting for depreciation.

Replacement Cost

Should your dwelling suffer a total loss, insurance will reimburse you the cost of repairing the house to its original condition or replacing it with a home that is the same or similar (only available within the first 2-3 years).

How to Save Money on Flood Insurance

You can’t pick up and move your home, but you sure can reduce your level of risk.
Take the extra precautions and lower your premium by following these steps:


Elevate your home above Base Flood Elevation.


Waterproof the space of your home below the Base Flood Elevation.


Add flood-proof sealants and barriers to prevent entry of water.


Move heaters, coolers, and electrical panels far away from Base Flood Elevation.

Florida Flood Insurance Frequently Asked Questions

An inch of water may not seem like much, but the effects can be devastating.
Learn about flood insurance now – No one’s ever complained about being prepared.

How Do I Pay for Flood Insurance?

Flood insurance must be paid in full upfront and is purchased in annual payments. When filling out an insurance claim, you will have a separate deductible for the house and the contents of your home.

What Factors Affect Flood Insurance Cost?

Premiums fluctuate and depend on factors like the deductible desired, coverage needed, location, foundation of the home, and flood zone risk. A Stellar Re Insurance agent can walk you through the process of finding the right flood insurance for your dwelling.

How Long Will it Take the Policy to Come Into Effect?

The policy will not come into effect until 30 days after the purchase date. Don't hesitate, start planning your Stellar Re flood insurance policy today.

What is the Average Flood Insurance Claim?

According to the Insurance Information Institute, the average the flood insurance claim is $91,735 from data collected in 2017.

Why Buy Flood Insurance from a Local Agent?

Finding affordable flood insurance that meets all of your individual property's needs on your own can be overwhelming. At Stellar Re, our agents dedicate all their time to tracking down the best policy for you. They are also available 24/7 to respond to any insurance inquiry you might have, like how to file a claim and what is covered.

Protect Your Home Before the Storm.

Get a Customized Stellar Re Policy Today.