When you live in a state like Florida, it is important to have flood insurance. After all, there are only a few places in the Sunshine State that have yet to be impacted by Mother Nature.

Flood insurance in Fort Myers provides protection from destruction and financial devastation caused by rising water. Instances like these have resulted in thousands of dollars in repair and restoration costs over the decades. For homeowners, having flood insurance can be the difference between relief and losing everything.

We cannot stress the importance of flood insurance in Fort Myers enough to our clients. Why? Statistics show that Florida residents have a 26% chance of experiencing a flood during a 30-year mortgage. What’s more is that over 25% of all flood claims occur in areas that are not considered high-risk.

If you have homeowners insurance in Fort Myers, know that your policy does not cover rising water. You must purchase a separate flood insurance policy to protect your home from damages incurred by rising water.

At East & Greenwell, we take protecting our clients very seriously. We never want to be in a situation where we disappoint you. Let us review your flood risk today, as you may be able to receive flood insurance for as low as $129 a year.


1. What is Flood Insurance?

Flood Insurance is a policy that covers damages to your home inflicted by rising waters.

2. Is Flood Insurance required?

Flood Insurance is only required by homeowners located in a Special Flood Hazard Area, which is determined by the Federal Emergency Management Agency, commonly known as FEMA. However, we highly recommend that you purchase Flood Insurance, even if you are not located in a hazard zone. Flood damage is not covered by a Homeowners Insurance policy, and over ¼ of flood insurance claims come from areas that are not considered high risk.

3. How do I filed a Flood Insurance claim?

If your home has incurred damage from flooding or rising water, and you need to make a claim, contact your insurance agent immediately. Here at East & Greenwell, we work closely with our policy holders to ensure that your claim is managed well. It’s important to us that we make sure you’re taken care of quickly and efficiently.

4. Does my Homeowners Insurance cover flooding?

No. Homeowners Insurance does not cover damages incurred by flooding or rising waters. This must be covered by a separate Flood Insurance policy.

5. Should I have Flood Insurance in a low-risk flood zone?

We highly recommend Flood Insurance to any and every Florida resident. Too many claims are made from low risk areas. In fact, they account for over 25% of claims every year! The good news is that quality Flood Insurance is typically quite affordable in low risk areas. This small investment can be the difference between relief and disaster.

6. Won’t I be covered by Federal Disaster Assistance Pay if my home is damaged in a flood?

Not necessarily. Keep in mind that this type of assistance is given only to floods that are deemed a federal disaster by the President of the United States. Also, the financial relief is provided through low interest loans, not compensation.