Hurricane Exposure
Florida is the most hurricane-prone state in the US. Wind mitigation inspections, roof age, and opening protection directly impact premium and carrier availability. Most carriers require wind mitigation credits.
Citizens Property Insurance
Citizens is Florida's state-run insurer of last resort. It serves policyholders unable to find private coverage, with depopulation programs encouraging transition back to private carriers.
Flood Zones
Florida has more NFIP policies than any other state. Flood insurance is separate from homeowners and is required for properties in FEMA-designated Special Flood Hazard Areas (A and V zones).
Browse Regions
Hillsborough County
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Miami-Dade County
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Seminole County
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