Orlando May Not Be Coastal—But It’s Not Immune to Flooding
When most people think of flooding in Florida, they picture storm surges or beachfront properties. But here in Orlando, heavy rains, overflowing retention ponds, and rising groundwater can cause just as much damage—and most homeowners insurance in Florida won’t help you recover.
Flood insurance is a
separate policy designed to protect against the kind of water damage that’s not covered by standard home policies. Whether you live near Lake Eola, in Waterford Lakes, or in low-lying parts of Avalon Park,
flood insurance in Florida helps you protect your structure, your belongings, and your financial future.
What’s Covered—and What Isn’t—By Flood Insurance
Structure Damage
Covers your home’s foundation, walls, flooring, electrical and plumbing systems from water damage caused by flooding.
Contents Coverage (Optional)
Insures personal belongings like furniture, electronics, appliances, and clothing—if selected on your policy.
Appliances & HVAC
Many policies include washers, dryers, and major home systems located in your basement or lower levels.
Flood from Outside Sources
Specifically covers water that enters from the outside—like rising lakes, overwhelmed drainage, or flash floods—not leaks or plumbing issues.
Mandatory Waiting Period
New flood policies generally come with a 30-day waiting period, unless required for a loan. Don’t wait until a storm is on the radar.
Not Covered
Land, landscaping, and damage caused by sewer backup (unless added separately) are typically excluded. Ask us about options.
Flood Protection Isn’t Just for the Coast
Orlando homeowners in any flood zone can benefit from proper coverage.
You don’t need to be near a river to experience a flood. Many homes in East Orlando fall into moderate or low-risk flood zones—but that doesn’t mean you’re immune. In fact, over 20% of flood claims come from outside high-risk areas.
At The White Agency, we provide policies from both NFIP (National Flood Insurance Program) and select private flood insurance carriers, including options with:
- Higher coverage limits than NFIP
- Shorter waiting periods (in some cases)
- Competitive pricing for Zone X homes
- Optional contents-only policies for renters
- Condo flood endorsements to fill HOA policy gaps
- Coordination with your home or landlord insurance
Here are the top questions we hear from clients in East Orlando.
Still Wondering If You Need Flood Insurance?
Flood insurance can be confusing—but it’s a key part of a complete protection plan. We’ve answered some of the most common questions below. If yours isn’t listed, we’re just a phone call or quote request away.
Does my home insurance cover flood damage?
No. Home insurance typically excludes water damage from rising floodwaters. A separate flood policy is required.
Am I eligible if I’m not in a high-risk flood zone?
Yes! Flood insurance is available in all zones. Homes in low-risk areas often qualify for lower premiums.
How long does it take for flood coverage to start?
NFIP policies have a 30-day waiting period unless coverage is required by a lender. Private carriers may offer shorter waits.
Can renters get flood insurance?
Absolutely. Renters can buy flood coverage for their belongings even if the landlord doesn’t insure the structure.
Do I need flood insurance if I live in a condo?
If you’re on a lower floor or near retention areas, yes—it can fill gaps left by your HOA’s master policy.
How much is flood insurance in Florida?
Pricing depends on your flood zone, structure, and policy limits. We compare NFIP and private market options to find your best rate.