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Florida Flood Insurance

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If you own a home in Florida, you are at risk for flood.

Florida has a population of nearly 21 million people, over 1300 miles of coastline, and an average elevation above sea level of only 6 feet. This means every home in Florida is at risk for flood damage, even on so-called “low risk” zones.

Don’t have flood coverage? You could be hit hard in the pocketbook.

However, many Florida homeowners don’t carry any flood coverage, despite the fact that every year brings the possibility of another flood-causing weather event. Standard homeowners insurance policies don’t include coverage for flood, meaning if a big storm or hurricane hits and causes flooding, your losses could come out of your own pocket.

Olympus has your back with premium flood coverage from private flood market partner, Neptune.

Olympus Insurance partners with Neptune to offer Floridians flood insurance. While basic flood insurance is offered nationwide through the government-run National Flood Insurance Program, we’ve found that our homeowners can often save an average of 20-25% off their premium for coverage that is identical to – or even better than – an NFIP policy.

Neptune’s flood coverage deductibles can start as low as $1,000, and primary residences (single family homes) qualify for building replacement cost coverage.

Don’t let threat of flood rob you and your family of peace of mind. Ask your agent about adding Neptune flood coverage to your policy.


Looking for an experienced guide to help you through the process?
Contact one of our Agents today!

Olympus Insurance is licensed by the state of Florida. Information found on this site is intended for Florida residents only.