Coverage that protects your biggest asset.

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Best Flood Insurance Coverage

Just because you don’t live in a high flood risk area, doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters—even if you’re not in a flood zone.

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Protection that protects your biggest asset

Building damages
Content damages
Personal & property contents

Flood Insurance Faqs

Why do I need Flood Insurance?

Because your homeowners insurance does not cover your home or belongings in the event of a flood. If you are in a situation where your home suffers from flood damage, you will need flood insurance to pay for that damage.

Those who live in a high-risk zone will be required by their mortgage lender to obtain a flood insurance policy. If you are not in a high-risk flood zone, we still highly recommend that you get it. Here’s something to consider: People outside of high-risk areas file nearly 25% of National Flood Insurance Program (NFIP) claims and receive one-third of disaster assistance for flooding.

What is the difference between required and optional coverage?

Required coverage typically occurs when you have a mortgage and the mortgage lender requires the insurance because you’re in a mapped high-risk flood zone.

Optional coverage is for those not in a high-risk area.

Will my landlord tell me if I am in a flood zone?

Not necessarily. It is best to look up your home address on the FEMA flood map website or to call our office for additional insight.

What if I need flood insurance effective immediately?

There are some exceptions to the typical 30 day waiting period. Contact us so we can take you through it.

Partners with 50+ top rated insurance carriers

Jay Parker

CEO, Florida Brokerage, of Douglas Elliman

My experience with NSI was mind-blowing in terms of service, diligence and how they provide a higher level of care. They are constantly looking to provide me with added value, not to upsell me but to provide more comprehensive service at a lower price.


Jeff Grady

President & CEO, Florida Association of Insurance Agents

There’s more institutional knowledge at NSI than in most places in Florida. They have real knowledge about their craft…it’s often not just about the price of insurance, it’s about the right coverage and finding the right company.



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About us

For over 60 years we’ve been delivering the most competitive personal insurance options to individuals and families across the United States. Our dynamic approach to personal insurance is unparalleled in our industry. At NSI, you are always the priority. 

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