Flood Insurance in Brevard County

How to get flood insurance in Brevard County, Florida

Brevard County, Florida, is home to more than 70 miles of gorgeous beaches, sunny golf courses, zoos, parks, and unique attractions like the Kennedy Space Center. But those beaches come with a cost: homes in this area have a higher flood exposure, which makes flood insurance a necessary purchase for most.

Because Brevard County sits on the eastern coast of Florida, it experiences natural flooding risks. That explains why the county's average flood insurance cost through the National Flood Insurance Program (NFIP) is $511 a year. You can see how Brevard County average NFIP rates compare to other Florida counties below.

Average NFIP flood insurance premiums by Florida county

The good news: the NFIP isn’t your only option for flood insurance anymore. In fact, you may be able to save a lot of money on this coverage with a private insurer like us.

Brevard County flood insurance costs

In addition to helping you save money on essential coverage, our flood insurance is super easy. You can simply add it on to your homeowners policy. That means you pay one premium and one deductible for both your home and flood insurance instead of juggling multiple policies. You can turn to us for any claims or coverage questions for either policy.

But the savings can’t be overstated. In Brevard County, our average flood insurance cost is $238, about 114 percent cheaper than the NFIP’s yearly average rate of $511. You can see how we stack up in the chart below.

Kin vs. NFIP average flood insurance premiums

Put another way, our coverage costs $273 less on average than the NFIP in this area. Imagine what you could put those savings toward!

Keep in mind that average costs are just a point of reference. Your cost may vary depending on where in Brevard County you live and your area’s flood mitigation systems. The best way to know what you’ll pay? Contact us for a quote!

Brevard County flood zones

Take a look at FEMA’s interactive flood map to get a sense of Brevard County’s flood risk. You’ll notice the area has the following flood zones:

• A
• AE
• AH
• AO
• VE

Flood zones A through V indicate an area with a high susceptibility for floods. These are usually shaded in red on flood maps, and you’ve probably noticed a fair portion of Brevard County is in these regions. The tan and white portions represent moderate to low risk floodplains.

Homeowners in high-risk flood zones are required to have flood insurance if they have a federally backed mortgage.

What does Brevard County flood insurance cover?

Though homeowners insurance can cover water damage from a burst pipe or leaky appliance, it excludes coverage for flood damage. That’s why flood insurance is so important – it fills this gap in your policy.

Florida flood insurance can help pay for repairs or replacements when flood waters damage:

• Cabinets and paneling
• Your belongings
• Appliances
• Carpets and window treatments
• Electrical, cooling, heating, and plumbing systems

And more!

Flood insurance usually doesn’t cover boathouses, landscaping, septic systems, mildew that could’ve been prevented, or sea walls.

How to reduce your home's flood risk

Flooding is the most common natural disaster in the United States, which means it's a reality most homeowners must contend with. As our climate continues to change, floods will only get more frequent and severe.

So it’s smart to start planning for your flood risk now. As a bonus, managing your flood risk may keep your flood insurance rates lower over time.

Here are some ways you can reduce your home's risk of experiencing flood and water damage:

• Figure out your floodplain and your flood exposure.
• Move water-sensitive equipment above the base flood elevation (how high flood waters are projected to rise).
• Update your valves to keep water flowing outward.
• Keep up on property repairs.
• Ask your county how they can improve flood mitigation (e.g., by adding storm drains).
• Review your homeowners insurance each year.

You can also check out Flood Factor to get a sense of your home’s risk level. This resource is peer-reviewed for accuracy and shows your home’s flood history, current risks, and future risks.