Why do I need flood insurance?

For many people, their home and its contents represent their greatest investment.  Property losses due to flooding are not covered under most standard homeowner's insurance policies.  You can protect your home and its contents with flood insurance through the National Flood Insurance Program (NFIP). 

The NFIP is a federal program established by Congress in 1968 which enables property owners to buy flood insurance at reasonable rates in participating communities.  In return, participating communities carry out flood management measures designed to protect life and property from future flooding.

The National Flood Insurance Program (NFIP) is administered by the Federal Emergency Management Agency through its Federal Insurance Administration.  St. Lucie County has participated in the NFIP since 1981.

To find out more about flood insurance for your property and its contents, contact your insurance agent.  There is a usually a 30 day waiting period before a flood insurance policy takes effect, so don't wait until a storm threatens before you secure the flood insurance you need.

The following chart lists the amounts of maximum coverage available under the NFIP to property owners within St. Lucie County.

BUILDING COVERAGE
Single Family Dwelling $250,000
Other Residential  $250,000
Non-residential  $500,000
Small Business  $500,000

CONTENTS COVERAGE
Residential   $100,000
Non-residential  $500,000
Small Business  $500,000