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Flood Insurance & FEMA

What is the National Flood Insurance Program?

Steve Conley | August 24, 2026

Short Answer

The National Flood Insurance Program (NFIP) is a federal program that makes flood insurance available to property owners in participating communities, including Monroe County. It sets rate guidelines and coverage limits for flood policies.

The National Flood Insurance Program (NFIP) is a federal program that makes flood insurance available to property owners in participating communities, including Monroe County. It sets rate guidelines and coverage limits for flood policies.

If you have a specific situation or property in mind, I encourage you to reach out directly. Every real estate transaction in the Florida Keys has unique factors, and a conversation is the best way to get the precise guidance you need. My team and I are here to help you navigate the process with confidence.

Text me at (305) 393-5859 or send a message through the contact page and I will get back to you personally.

Steve Conley

Steve's Advice

Steve Conley

Principal, Conley Sales Group at COMPASS

The NFIP is the federal program that provides flood insurance to homeowners. In the Keys, most properties are covered through NFIP policies, though private flood insurance is becoming more common and sometimes offers better rates. I can help you compare options.

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