Flood Insurance in Flagler County, Florida

Flagler County sits on the northeast coast of Florida, 24 miles north of Daytona Beach and 31 miles south of St. Augustine. Flagler County residents enjoy the region’s 18-mile-long beachfront; more than 90 miles of trails for hiking, biking, and paddling; and 40 parks and preserves.

Flagler County's proximity to scenic beaches means the area is prone to floods. Tropical Storm Eta caused such severe flooding recently that a manatee swam through a man’s front lawn. Even without surprise manatee cameos, and floods are memorable for the extensive damage they cause. Homeowners insurance doesn’t cover flood damage – you need flood insurance for that.

Luckily, you can add flood protection as an endorsement on your homeowners' policy with Kin instead of purchasing a separate (and usually more expensive) policy from the National Flood Insurance Program (NFIP).

Flagler County flood insurance costs

Florida experiences massive amounts of rain and has more than 11,000 miles of rivers, streams, and waterways that can easily flood flat terrain. That flood exposure is why Florida flood insurance is usually so expensive. However, we designed a flood solution that can help up to 71% of Florida homeowners save more money than they would through the NFIP.

In addition to helping you save money, our flood insurance as an endorsement is more convenient. You can:

• Say goodbye to individual home and flood deductibles.
• Pay one premium for home and flood insurance.
• Can contact us for everything related to your flood and home insurance.
• Skip the flood elevation certificate for coverage.
• Start your flood coverage immediately, rather than wait 30 days like you would with the NFIP.

Your rates will vary depending on your exact location and your home’s safety features. For an accurate quote, contact us!

Flagler County flood zones

Flagler County flood zones can impact how much you pay for flood insurance. FEMA’s flood hazard map for Flagler County can help you understand which areas are most at risk for flooding.

Flagler County has two high-risk flood zones:

• Flood Zone A.
• Flood zone AE.

These areas have a 1% annual chance of flooding or a 26% chance of flooding during a 30-year mortgage.

An A flood zone has a 100-year floodplain with no determinable base flood elevation (BFE), while AE zones have a 100-year floodplain with determinable BFEs. A BFE is the height to which a flood is expected to rise during a base flood. A base flood, also called a 100-year flood, is a flood that has a one % chance of exceeding base elevation in any given year.

Even if your home is outside of these high-risk zones, flood coverage is still a smart idea. As FEMA famously notes, anywhere it can rain, it can flood.

What Flagler County flood insurance covers

Only flood insurance can cover you against damage caused by floods. A flood insurance policy can help pay for damage to your home, belongings, and other structures up to your homeowners' policy limits.

In addition to offering coverage for storm surge and rainfall damage, flood insurance can cover damage from groundwater seepage, broken water mains, and mudslides.

How to reduce Flagler County flood risk for your home

The best way to start mitigating your flood risk is to learn about it. Check out the resource Risk Factor and type in your address. The site shows you not just your current flood risk, but how much that risk is projected to increase in your neighborhood over time.

Make a disaster preparedness plan to follow if there is a flood. If a flood warning hits, you’ll know what steps to take.

Lastly, make sure you store belongings above your home’s base flood elevation. The fewer belongings damaged by a flood, the easier it is to recover.

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