What is a flood according to Florida flood insurance coverage?
According to the National Flood Insurance Program, Florida flood insurance covers direct physical loss caused by “flood,” which is defined as “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:
- Overflow of inland or tidal waters;
- Unusual and rapid accumulation or runoff of surface waters from any source;
- Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.”
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Florida Flood Insurance for the Following Florida Communities: Navarre, Pensacola, Gulf Breeze, Pace, Cantonment, Panama City, Ft. Walton Beach, Mary Esther, Shalimar, Niceville, Valparaiso, Destin, Milton, Escambia County, Santa Rosa County, Okaloosa County, Walton County, Bay County