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Flood Insurance

AAA Flood Insurance for Florida

Just an inch of water can cause thousands of dollars of damage to your home insurance policies don't cover damage from rising water. Protect yourself with a Flood Policy from AAA Insurance.

The 4 things every homeowner in your area needs to remember


Every home is in a flood zone

According to the National Flood Insurance Program (NFIP), nearly 20% of all flood insurance claims are made by homeowners living in areas considered a low risk for a flood. That means regardless of whether your mortgage company required you to purchase flood insurance, your home is in a flood zone. And that’s why AAA Insurance offers affordable flood coverage designed to protect your valuable asset.


No homeowners insurance policy covers flooding

It’s a common misconception that homeowners insurance covers flood damage. But the truth is, only flood insurance covers flood damage. Without it, the cost of the damage comes out of your pocket.


You can’t rely on the federal government to pay for flood damage

Federal assistance is only available if the President declares an area a disaster. Even then, the assistance is not offered as compensation for your losses, but rather a low-interest loan that requires repayment with interest.

According to the NFIP, 60% of all federally declared disasters in the United States are flood-related.


Flood losses are costly

Most people don’t realize that just a few inches of floodwater can cause thousands of dollars’ worth of damage. In a 2,000-square-foot home, even as little as two inches of water can cause as much as $21,000 or more in damage to your home and its contents.

Over the past five years, the average paid flood insurance claim was nearly $34,000.

Did you know?

✓ Nearly 20% of all flood insurance claims come from people living in “low-risk” flood zones.

✓ Flooding is the most common natural disaster in the United States.

✓ If you live in a high-risk area, you’re three times more likely to have a flood than a fire.

To find out your level of flood risk, visit

There is a 30-day waiting period for flood policies to take effect. Don’t wait for severe weather to take action.

With a flood policy from AAA Insurance, you're protecting your home and family against the most common natural disaster.

Availability of policy and coverages are subject to underwriting criteria. Policies underwritten by Auto Club South Insurance Company.