Flooding poses a significant threat to residential and commercial properties, especially those located along the beach. If you own or are planning to buy a beachfront home, flood insurance should be at the top of your list of priorities.
Yes. Beach houses are located in flat, low-lying areas near water, making them highly vulnerable to floods. Mortgage lenders typically require flood insurance for coastal homes, and even if yours doesn’t, having coverage is the safest way to protect your investment, possessions, and family.
Created in 1968 and managed by FEMA, the NFIP provides coverage to homeowners in designated flood-prone communities. Coverage includes:
NFIP rates are standardized, meaning prices don’t vary between insurance providers.
Private flood insurance policies often provide broader coverage and may cost less than NFIP policies. Benefits include:
However, some exclusions remain—such as cash, important documents, and stock certificates.
Many homeowners mistakenly believe their standard insurance covers flooding. It does not. Unless you purchase flood insurance as a rider, your home and belongings will not be protected against water damage caused by flooding.
FEMA designates Special Flood Hazard Areas (SFHAs) on Flood Insurance Rate Maps. All beachfront properties fall within high-risk flood zones, including:
If your property lies within these zones (typically within 1,500 feet of the coast), flood insurance is mandatory.
If you own a beachfront home, flood insurance is not just a precaution—it’s a necessity. Whether through the NFIP or a private policy, having proper coverage protects your home, possessions, and peace of mind.
To choose the right policy, consult a licensed insurance provider familiar with flood-prone coastal areas. Making an informed decision today could save you from devastating financial losses tomorrow.