Flood Insurance on the Treasure Coast
Protect your home from one of Florida’s most common risks with flood coverage designed for coastal living. We help you understand your options and choose a policy that fits your budget.
Stay Prepared Before the Water Rises
Heavy rain, tropical storms, and fast-changing weather make flood protection essential for Treasure Coast homeowners.
Even homes outside high-risk zones can experience water damage, and most standard home insurance policies do not cover flooding.
We’re here to help you get the right coverage before the next storm hits.
What’s Covered by Flood Insurance
Standard Coverage May Include:
Building Coverage
Helps pay to repair or rebuild your home’s structure after flood damage.
Personal Property Coverage
Pays to replace belongings like furniture, clothing, appliances, and electronics.
Foundation, Plumbing, and Electrical Systems
Protects major components of your home that are often costly to repair after flooding.
Debris Removal
Helps cover cleanup costs after a covered flood event.
Coverage details vary by carrier, and we’ll walk you through the options available from companies like Cypress Flood, NFIP, and Neptune Flood.
Why Choose Barbie Prem Insurance Agency for Flood Insurance
We Understand Your Risks
Living along the Treasure Coast means dealing with heavy rains, drainage issues, and storm surge. We help you choose the right protection for your area.
Options for Every Homeowner
We work with NFIP and private flood carriers to give you more choices, competitive pricing, and flexible coverage options.
Local Support When It Matters Most
If you ever need to make a claim, our local team is here to guide you step by step—not a call center.
Flood Insurance FAQs
Yes—many flood claims come from low- or moderate-risk zones, where flooding still happens from heavy rain or drainage issues. Flood insurance offers peace of mind no matter where you live.
No, standard homeowners insurance does not cover flood damage. You need a separate flood policy for protection against rising water.
Most NFIP policies have a waiting period, while some private carriers offer faster options. We’ll help you choose what works best for your timeline.
Be Ready Before
the Next Storm
Protect your home and belongings from flood damage with the right policy for your area.
