Protect Your Property from the Rising Risks of Flooding – Anywhere in Florida and Beyond
At Barefoot Insurance Brokers, we specialize in providing flood insurance coverage for homes and businesses in high-risk flood zones, especially in coastal regions of Florida like the Florida Keys, barrier islands, and even CBRA (Coastal Barrier Resource Act) zones. We write flood policies through both the National Flood Insurance Program (NFIP) and a wide range of private market flood insurers to offer competitive rates and expanded coverage options.
Whether you’re on the beach in Miami or up a hill in Colorado, flooding can happen anywhere. And yes—we can even write flood insurance in states you might not expect, like Georgia, Mississippi, Ohio, Virginia, Indiana, and Colorado.
📍 Local Focus: Coastal Florida Flood Zones We Serve
If you live in a coastal or flood-prone area, your home is at increased risk. We help homeowners and business owners across:
- The Florida Keys (Key West, Big Pine Key, Islamorada, Marathon)
- Brevard County (Merritt Island, Cocoa Beach, Satellite Beach)
- Martin & St. Lucie Counties (Stuart, Jensen Beach, Port St. Lucie)
- Broward & Palm Beach Counties (Fort Lauderdale, Pompano Beach, Boynton Beach)
- Sarasota, Naples, Tampa Bay & Panhandle communities
We work with high-risk flood zones, including:
✅ Zone AE
✅ Zone VE (coastal wave impact zones)
✅ Zone A
✅ CBRA zones
✅ And even properties previously declined by NFIP
🛡️ What Is Flood Insurance?
Flood insurance protects your home or business against damage from rising water due to:
- Heavy rain
- Storm surge
- Hurricanes
- Overflowing rivers, canals, and lakes
Standard homeowners insurance policies do not cover flood damage. Flood insurance fills that critical gap—especially in Florida, where storms and sea level rise are constant threats.
💡 Frequently Asked Questions About Flood Insurance (from FloodSmart.gov)
Q: Who needs flood insurance?
A: Everyone is at risk of flooding. One inch of water can cause over $25,000 in damage. If you live in a Special Flood Hazard Area (SFHA), your lender may even require it.
Q: How much does flood insurance cost?
A: It depends on location, coverage limits, and property elevation. Private flood markets may offer better pricing and faster closings compared to NFIP. Some policies start as low as $250/year.
Q: Can I bundle flood insurance with my homeowners policy?
A: Yes! Barefoot Insurance Brokers can bundle your flood policy with home insurance for better pricing and simplified management.
Q: What is covered under flood insurance?
A: Typically, flood insurance covers:
- Foundation and structure
- Electrical and plumbing systems
- HVAC systems
- Personal belongings and appliances (if contents coverage is added)
Q: How soon does coverage begin?
A: NFIP policies have a standard 30-day waiting period, but private flood insurance may offer immediate or shorter wait options—perfect for real estate closings or new purchases.
💼 Why Work with Barefoot Insurance Brokers?
- We shop all major flood carriers, including:
- 🌊 National Flood Insurance Program (NFIP)
- 🌊 Private Market Flood Insurers
- Expanded coverage options for high-value homes, rentals, second homes, and condos
- Licensed in Florida, Georgia, Mississippi, Ohio, Virginia, Indiana—and yes, even Colorado
- Expertise in high-risk coastal properties and CBRA zone eligibility
- Bundling options with home, wind, or excess flood insurance
📞 Speak with a Flood Insurance Specialist Today
Craig Appleman, licensed insurance broker with Barefoot Insurance Brokers, is ready to help you protect your home, business, or investment property—whether you’re on the water or miles inland.
📲 Call Craig at (954) 368-0060 ext. 4
📧 Email: craig@barefootins.com
🌐 Visit: www.barefootins.com
🏡 Protect Your Property Before the Next Storm Hits
Flooding is the #1 natural disaster in the U.S., and most homeowners don’t realize they’re at risk until it’s too late. Let us help you find affordable, reliable flood insurance—customized to your property and your budget.