Yes. Under a Florida law passed in December 2022, Citizens Property Insurance personal residential policies with wind coverage must carry flood insurance, and by January 1, 2027 the requirement applies to all of them regardless of home value or flood zone.
The requirement was phased in: homes in high-risk flood zones first, then by dwelling replacement cost ($600,000+ in 2024, $500,000+ in 2025, $400,000+ in 2026), and all remaining policies in 2027. You can meet it with an NFIP or approved private flood policy, and Citizens may non-renew your policy if you don’t. Because NFIP coverage has a 30-day wait, start at least 45 to 60 days before your renewal.
Questions about your own policy? Near Me Insurance in Oviedo helps homeowners and drivers across Seminole and Orange County compare options from multiple carriers.
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