In compliance with Florida Statute 627.715, most of Citizens' new and renewing Personal Residential policies that include wind coverage must also have and maintain flood insurance coverage by January 1, 2027, under a phased-in approach created by the Florida Legislature in December 2022.
Homes Within Flood Hazard Area
Personal Residential policies that include wind coverage for homes that are within the special flood hazard area (SFHA) as defined by the National Flood Insurance Program (NFIP) (e.g., A, AO, AH, A1-A30, AE, A99, V, V1-V30, VE) must have and maintain a flood policy.
Note: Condominium unit-owner policies, tenant content policies, and policies that exclude windstorm or hail coverage are not required to purchase flood insurance coverage.
Homes Outside Flood Hazard Area
Insureds with new and renewing Personal Residential policies that have wind coverage for properties located outside of the Special Flood Hazard Area must have and maintain a flood policy when the structure’s current Coverage A (dwelling) meets or exceeds the thresholds outlined below:
Effective 01.01.24 - Policies with dwelling value (Coverage A) of $600,000 or more
Effective 01.01.25 - Policies with a dwelling value of $500,000 or more
Effective 01.01.26 - Policies with a dwelling value of $400,000 or more
Effective 01.01.27 - All policies, regardless of value
Note: Condominium unit-owner policies, tenant content policies, and policies that exclude windstorm or hail coverage are not required to purchase flood insurance coverage.
Required Documentation
New policy applicants and renewing policyholders are required to submit proof of flood coverage that meets statutory requirements for Citizens and a completed Policyholder Affirmation Regarding Flood Insurance (CIT FW01).
Proof of flood insurance can be satisfied with one of the following documents:
A copy of the submitted application and proof of payment as initial proof of compliance if an application for flood coverage is pending
A copy of the flood policy declarations
Proof of a flood endorsement that meets the minimum standard on their underlying multiperil policy for Citizens Wind-Only policies
Flood Coverage Limit Requirements
Dwelling Policies: Equal to or greater than your Citizens policy dwelling value, (Coverage A)
Maximum NFIP Limits
If the above limits are not available from the NFIP, Citizens will accept the maximum coverage amount for which the insured is eligible.
