No. Standard Florida homeowners policies exclude flood damage, so you need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private flood insurer. Flood includes rising water from rivers and lakes, storm surge, and heavy rain that overwhelms drainage and enters from the ground up.
Wind-driven rain that enters through storm damage to your roof or windows may be covered by homeowners insurance. Water that rises into the home is not. During Hurricane Ian in 2022, many Oviedo and Seminole County homeowners near the Little Econlockhatchee River learned this the hard way.
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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