I currently reside in Palm Bay, Florida well away from the coastal cities like Indialantic or Melbourne Beach, would I want to consider Flood insurance when I am not as high of a risk as the coastal cities?

Yes, you would want to consider a Flood Insurance Policy. Anywhere it rains, it can flood. As a homeowner it is always important to insure your home. Depending on the location of your property, your home would be considered either at high-risk or at moderate-to-low risk for a flood. The flood insurance premiums vary accordingly.

Flood-hazard maps show the different degrees of risk which in turn help determine the cost of flood insurance. Most homeowners in a moderate-to-low risk area may be eligible for coverage at a preferred rate. Preferred Risk Policy premiums are the lowest costing premiums available through the National Flood Insurance Program (NFIP). For those that do live in a high-risk area there is a standard rated policy that offers separate building and contents coverage.

Your independent agent will be able to assist you determine your needs in terms of coverage and cost.

Our Melbourne Home Insurance Agency is centrally located in Brevard County, enabling us to locally serve Viera, Cocoa Beach and Palm Bay.

Questions And Answers about Florida Insurance