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flood insurance Tampa

Find the right flood insurance in Tampa

Flooding can ruin your house and endanger your financial future. 

Water doesn't wait and neither should you. get flood insurance protection.

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Do I need flood insurance in Tampa?

If your residence is a zone with a high risk for floods, flood insurance may be required by your lender. But the reality is that floods can take place anywhere, including outside of flood zones. Just one inch of flood water can cause $25,000 in damage. Most homeowners insurance policies do not cover flood damages, so flood insurance is essential.

When should I buy flood insurance?

Don't wait until the flood risk is approaching. Almost all flood insurance policies require a 30-day waiting period before the coverage begins. Special cases include if you've purchased a new house and the closing is in less than 30 days.

What is a flood?

The NFIP defines a flood as a common and momentary state where two or more acres of usually dry land or two or more properties are inundated by water or mudflow.


Your policy is the best place to review your coverages, but a few common items covered by flood insurance are:

What does flood insurance cover?

Flood insurance can provide protection for both the structure and the contents of the home:

Flood insurance policies usually cover:

  • Appliances
  • Carpet and flooring
  • Cabinets, electrical, and plumbing
  • Heating and air units

Take into consideration that personal property and structure coverages generally have deductibles and individual limits, so read the policy descriptions prudently. Our flood insurance advisers are glad to help.

What isn't covered by flood insurance?

Flood insurance will not cover certain damages, so make sure you understand the coverage you are purchasing.

The NFIP flood insurance contract does not provide coverage for things like:

  • Damage caused by earth moving
  • Additional living expenses
  • Walls and decks
  • Swimming pools
  • Currency or valuable papers

This is not a complete list. You should read your policy contract to make sure you know what is and isn't covered. Our flood insurance counselors are also available to help you with questions.

Why choose Gonzalez Insurance Agency to help you get flood insurance?

Gonzalez Insurance offers the best service in the Tampa Bay area. We will make sure you get the best rates and the right coverage for your needs. If you live in a National Flood Insurance Program area, you may qualify for reduced rates through the Federal Government. This means an insurance company issues flood insurance that's administered by the Federal Government. Gonzalez Insurance Agency has been serving Tampa, Florida for over 30 years and we know how to get you the coverage you need at a price you can afford.

Does homeowners insurance cover flood damage?

Most standard homeowners insurance policies do not cover damage from flooding. If you live in a designated flood area or a zone that is susceptible to flooding, flood insurance is crucial to cover damages that may not be protected by your homeowners insurance policy.

What is considered a flood?

A flood is when a surplus volume of water submerges land that is normally dry. In terms of flood insurance objectives and protection – a flood is when two or more acres or two or more properties are affected by water rising from the ground up.

How do I get flood insurance if I can’t buy it directly through the NFIP?

It's easy! Simply contact a Gonzalez Insurance agent. As professional agents, we can take care of flood insurance policies through either the NFIP or one of our many private agents.

How much will I pay each year for flood insurance?

The average cost of a policy through the NFIP is about $700 a year, but your premium cost might adjust depending on your property's flood risk, the type of coverage you need, and the location of your home. 


Since 1986, Gonzalez Insurance Agency has been serving policyholders – protecting businesses, mitigating losses, defending claims. 
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