Do Homeowners in Jacksonville, FL Need Flood Insurance in Addition to Home Insurance?

If you own a home in Jacksonville, FL, understanding your flood risk is an important step in caring for your property. Many neighborhoods can be vulnerable to flooding from heavy rain, storm surge and tidal events. What surprises many homeowners is that standard homeowners insurance does not cover flood damage.

What Homeowners Insurance Does and Does Not Cover

Homeowners insurance financially protects against a range of perils, including fire, wind, theft and certain types of water damage such as a burst pipe. Flood damage from rising water, however, is excluded from most standard policies.

Why Flood Coverage Matters

Flooding can occur even in areas not designated as high-risk, and flood events happen outside high-risk zones more often than many homeowners expect. Flood insurance typically covers:

• Structural damage to your home’s foundation, walls and systems
• Damage to major appliances and built-in fixtures
• Electrical and plumbing systems affected by flood water
• Damage to a detached garage under certain policy terms

How to Know if You Need a Separate Flood Policy

Your mortgage lender may require flood insurance if your home is in a designated Special Flood Hazard Area (Zone A or V) and is financed through a federally regulated or insured lender, though coverage is worth considering regardless of zone designation. Our team can review your property’s flood map status, current homeowners policy and potential coverage gaps.

Covering Your Home With the Right Coverage

Contact Gray & Gray West Inc. to review your homeowners insurance and find out whether a separate flood policy makes sense for your property. Our team proudly serves Jacksonville, FL and is here to help you build a coverage plan that fits your home.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.