Living in Florida means preparing for hurricanes and the potential flooding they can bring. But many homeowners aren’t sure what kind of insurance they need to fully protect their homes. Let’s break down the differences between flood and hurricane insurance and why having both is essential.

Hurricane Insurance in Florida

Most homeowners insurance policies in Florida automatically include windstorm coverage, often referred to as “hurricane insurance.” This protection covers wind-related damage from hurricanes, like roof damage, broken windows, and structural issues caused by high winds.

Hurricane Deductibles

In Florida, most policies come with a hurricane deductible, which differs from the standard deductible and is typically a percentage of your home’s insured value. This deductible kicks in only when the National Weather Service officially declares a hurricane.

What It Covers:

• Roof damage from wind
• Broken windows and exterior damage
• Wind-driven rain damage (if the roof or walls are breached)

Do You Need Flood Insurance? Absolutely.

While hurricane insurance handles wind damage, it does not cover flooding. You’ll need a separate flood insurance policy to protect your home from rising water due to heavy rain, storm surges, or overflowing rivers.

You can purchase flood insurance through the National Flood Insurance Program (NFIP), but private insurance options are also available. Nearly all homeowners in Florida, especially those in coastal or low-lying areas, should strongly consider flood insurance.

What Flood Insurance Covers:

• Damage to your home’s structure from rising water
• Electrical and plumbing systems
• Appliances, flooring, and walls damaged by floodwater
• Personal belongings and essential home contents

Why You Need Both Types of Insurance

Hurricanes often cause both wind and flood damage. Without both flood and hurricane insurance, your home may not be fully protected.

• Wind Coverage (Hurricane Insurance) handles damage from winds and flying debris. Without flood insurance, water damage from flooding won’t be covered.
• Flood Insurance protects against water damage from storm surges, overflowing rivers, and heavy rainfall.

Having both policies ensures complete protection during hurricane season, saving you from out-of-pocket costs for uncovered damages.

Flood Insurance Complements Hurricane Coverage

Even if you already have hurricane coverage, you still need flood insurance to cover water damage. Flooding is one of the most common—and costly—natural disasters in Florida. Many homeowners mistakenly believe their hurricane policy includes flood protection, only to find out later that it doesn’t.

For full protection against Florida’s unpredictable weather, make sure you have both flood and hurricane (wind) insurance. Hurricane insurance covers wind damage, while flood insurance protects against water damage. PRP Roofing encourages all homeowners to review their policies and ensure both types of coverage are in place before hurricane season hits.