Flood Insurance
From Mobile and Manufactured to new build, historic, or anything in between, we’re here to help you find the coverage you need.
Flooding is one of the most common natural disasters in the United States, yet standard homeowners and mobile home insurance policies typically do not cover flood damage. Flood insurance provides protection for your home and belongings when rising water damages your property after heavy rain, hurricanes, storm surge, or overflowing lakes and rivers.
In Florida especially, flooding can happen quickly during tropical storms or intense summer downpours. Even homes outside high-risk flood zones can experience flooding when drainage systems become overwhelmed or nearby waterways rise.
Because of this risk, many Florida homeowners choose to carry flood insurance in addition to their standard home insurance policy.
What Flood Insurance Covers
Flood policies generally provide two main types of coverage.
Building Coverage
Protects the structure of your home or mobile home, including:
- Foundation and structural elements
- Electrical and plumbing systems
- HVAC equipment
- Built-in appliances and fixtures
- Flooring and permanently installed cabinets
Contents Coverage
Protects personal belongings inside the home, such as:
- Furniture and household goods
- Clothing and personal items
- Electronics and computers
- Appliances and small kitchen equipment
Coverage options and limits can vary depending on whether the policy is provided through the National Flood Insurance Program (NFIP) or a private insurer.
Why Flood Insurance Matters in Florida
Many homeowners assume flooding only affects coastal areas, but inland flooding is extremely common across Florida. Heavy rainfall, tropical storms, and saturated ground can quickly lead to rising water around homes and neighborhoods.
As many insurance professionals say:
If you live in Florida, flood insurance is usually a smart idea — even if you’re not in a high-risk flood zone.
Reviewing your flood risk and coverage options can help ensure your home is protected before the next major storm season arrives.
Get a Free Flood Insurance Quote Today!
Don’t hit the road without the right protection. Contact Smith & Thomas Insurance for a free, no-obligation auto insurance quote.
Call us at 863-688-1141, request your quote online today, or stop by our office in Lakeland, Florida.