Flood Insurance😳

Imagine this: you're living your best Florida life—sunshine, flip-flops, maybe even a flamingo float parked in the pool. Your flood insurance renewal shows up and you think, “Eh, we didn’t flood last year. Let’s skip it.”

Big mistake. Huge.

Under FEMA’s new Risk Rating 2.0, skipping just one year of flood insurance could cost you—ready for it?—over $7,000 per year. Not once. Not a one-time penalty. Every. Single. Year.

Let’s rewind:
In 2021, most folks were paying around $567 for flood insurance. Not bad. If your risk dropped under the new system and you kept renewing? Great news—you’re now around $498 per year, locked in for life. That’s like finding $70 under your beach towel.

But for homes where flood risk went up, premiums rise slowly over time: $669… $789… $932… you get the picture. It eases in.

Unless you drop coverage.
If you ditch your policy for even one year and try to come crawling back? FEMA slams the door open like a hurricane wind and hits you with the full-risk rate—a gut-punching $7,568/year. Hope you weren’t saving up for that boat.

Moral of the story?

• ✅ Renew your policy every year

• ✅ Don’t get clever and “take a break”

• ✅ Talk to someone who knows their stuff before you mess with your flood insurance

Florida’s weather is unpredictable, but your rates don’t have to be. Stay covered. Sleep better. And keep those flamingo floats floating.