How long until flood insurance starts?
NFIP flood policies usually have a 30-day waiting period before coverage starts (City of Pompano Beach). Some exceptions apply; ask us. That's why the time to buy is before storm season, not when a storm is on the news.
Does my homeowners insurance cover flooding?
Usually not. The City of Pompano Beach's 2026 flood notice says flood losses "generally are not covered under most standard homeowners' or renters' insurance policies." Water from storm surge, heavy rain or king tides that rises from the ground is treated as flood. Wind and rain coming in through a storm-damaged roof are usually a different part of your home policy.
Flood insurance FAQs
Do I need flood insurance if I'm not in a flood zone?
It's your choice unless your lender or insurance company requires it, but flood zones change. The City of Pompano Beach notes that new flood maps for areas near tidal water took effect on July 31, 2024, and that "flood zones are not permanent." Homes outside high-risk zones can still flood. We can look up your zone with you. Check your flood zone: FEMA Flood Map Service Center (msc.fema.gov) or the City of Pompano Beach Building Division, 954-786-4669.
The Citizens flood rule: January 1, 2027
If your home is insured with Citizens Property Insurance and your policy includes wind coverage, Citizens requires flood insurance on all of these policies, regardless of home value, for new policies and renewals on or after January 1, 2027. Condo unit-owner policies, renter's contents policies and policies that exclude wind and hail coverage are exempt. Citizens asks for a flood limit at least equal to your Citizens dwelling coverage, or the NFIP maximum ($250,000). Source: citizensfla.com/flood. Got a Citizens letter? Bring it to us. We go over your options and dates with you, at no cost.
Frequently Asked Questions
Does flood insurance cover my car?
Usually no. Flood damage to a car is usually covered only if your auto policy includes comprehensive coverage, subject to your deductible.
Does a condo owner need flood insurance?
The association's policy may cover the building, but usually not your unit's contents or improvements. Check your association documents, or send them to us.
Can my lender require flood insurance?
Yes. Lenders can require it, especially in high-risk flood zones.
Is there a discount in Pompano Beach?
The City says most NFIP policyholders in Pompano Beach may be eligible for a discount through its flood program (the Community Rating System).
Get a flood insurance quote
SERVICE AREA
We offer both NFIP and private flood insurance, compare what's available for your home, and explain the differences in plain English. Tell us your address and we'll check your flood zone and options. Free, no obligation. Serving Lighthouse Point, Pompano Beach, Deerfield Beach, Boca Raton, Fort Lauderdale and all of Broward, Palm Beach and Miami-Dade counties.
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561-507-0779
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