Between the Amelia River, the Intracoastal Waterway, the Atlantic and summer storms, flooding is a real risk across Fernandina Beach and Amelia Island, even outside high-risk flood zones. Standard homeowners policies don't cover flood damage, so a separate flood policy is the only way to protect your home and belongings.
Southend Insurance can compare National Flood Insurance Program (NFIP) coverage with private flood options to find the best fit for your property.
What flood insurance can cover
- Building coverage for structure and foundation
- Contents coverage for belongings
- Electrical, plumbing and HVAC systems
- Appliances, water heaters and carpeting
- Debris removal after a flood
- Private flood options with higher limits
Good to know in Florida: Most NFIP policies have a 30-day waiting period before coverage begins, so don't wait until a storm is in the forecast. Some mortgage lenders and insurers require flood coverage even outside designated high-risk zones.
Flood insurance facts for Amelia Island
- NFIP limits. NFIP covers up to $250,000 for a home's structure and $100,000 for its contents. Private flood policies can go higher.
- Citizens policyholders. Florida is phasing in a requirement that Citizens Property Insurance customers also carry flood coverage. If you're with Citizens, ask us where your home falls.
- Storm surge counts as flooding. Rising water and storm surge are covered by a flood policy, not your homeowners policy.
Flood Insurance FAQs
Do I need flood insurance if I'm not in a flood zone?
A significant share of flood claims come from properties outside high-risk zones. Coverage in lower-risk areas is often more affordable, and it's the only way to be covered for flood damage.
How long before a flood policy takes effect?
NFIP policies generally have a 30-day waiting period, with some exceptions such as a policy required at a loan closing. Private flood policies may have shorter waiting periods.
What's the difference between NFIP and private flood?
NFIP is backed by the federal government with standard limits. Private flood policies may offer higher limits or extra coverages. We'll compare both for your property.