Can I shop for private flood insurance in the Keys?

By Steve Conley

Short Answer

Yes, private flood insurance options are available in the Florida Keys and may offer different rates and coverage levels than NFIP policies. Comparing both options is recommended to find the best coverage for your specific property.

Steve's Advice

Steve Conley

Principal, Conley Sales Group at COMPASS

Yes, and you should. Private flood insurance carriers are increasingly competitive in the Keys, sometimes offering better coverage at lower rates than the NFIP. I recommend getting quotes from both to compare. Your insurance agent can run the numbers.

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More questions in Flood Insurance & FEMA

How much does flood insurance cost in the Florida Keys? What flood zone am I in for my Keys property? How much does flood insurance cost in the Florida Keys? What is a FEMA elevation certificate? Can I get cheaper flood insurance if my home is elevated? What is the difference between Zone AE and Zone VE? Do I need flood insurance if I pay cash for my home? How does flood insurance affect my monthly payment? What is the National Flood Insurance Program? How do flood zones change over time? What Flood Zone Is My Florida Keys Property In? Can the New Florida Keys Flood Maps Change What I Can Build? Insurance Requirements for Coastal Properties in the Florida Keys

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