As of November 13, 2025, the National Flood Insurance Program (NFIP), a federal government-run flood insurance program, has resumed issuing new policies and renewing existing policies. Therefore, Citizens’ flood document deferral process has been discontinued, and we will no longer accept the Flood and Affirmation Document Deferral Form.

Applicants and policyholders who are required to have flood insurance but for whom the flood insurance requirement was deferred due to the government shutdown must obtain flood insurance and submit the Declarations page of their flood policy as well as the Policyholder Affirmation Regarding Flood Insurance. Agents must upload these documents by December 1, 2025, to avoid policy cancellation.

As a reminder, applicants and policyholders whose Citizens policies include wind coverage are required to obtain flood insurance in the following circumstances:

• Policies for properties in the special flood hazard area defined by Federal Emergency Management Agency (FEMA), regardless of replacement cost
• Effective January 1, 2025, policies with a dwelling replacement cost of $500,000 or more, regardless of the special flood hazard area
• Effective January 1, 2026, policies with a dwelling replacement cost of $400,000 or more, regardless of the special flood hazard area

Note: Citizens’ flood requirements do not apply to condominium unit-owner and tenant content policies.

Resources

Agents and consumers may visit FloodSmart.gov or the Florida Office of Insurance Regulation (FLOIR) for information about flood insurance and for assistance with finding a flood insurance provider.

Log in to the Agents website and:

• Select Personal > PR-M or PR-W and look in the General section for the Policyholder Affirmation Regarding Flood Insurance (CIT FW01) form.
• Select Personal > Flood for more details about Citizens’ flood insurance requirements.
• Select Personal > PR-M or PR-W, and then select the appropriate policy type on the left-menu bar. Refer to the Spotlight section on the right-hand side for the Product Guides and Required Document Guides.
• Select Training > Personal Job Aids to access Citizens’ learning resources:
  • Managing Your Citizens Renewal in Special Flood Zones
  • Policy Change
  • Requesting a Reinstatement
  • Uploading and Linking Documents
  • Learn More section on the right side of the page for the Product Guides and Required Document Guides