Did you know that one inch of floodwater can cause over $25,000 in damage to your home?
As we watched the catastrophic flooding devastate North Carolina last year, many Naples residents thought, “That could never happen here.” But Florida’s history tells a different story. Hurricanes Debby, Helene, and Milton reminded us that Mother Nature doesn’t discriminate regarding storm surges and flooding.
The New Reality for Naples Homeowners
The flood insurance landscape is changing dramatically for Floridians. Citizens Property Insurance Corporation—Florida’s insurer of last resort—has drawn a line in the sand:
- 2025: Homes valued at $500,000+ must have flood insurance
- 2026: Requirement extends to homes valued at $400,000+
- 2027: ALL homes must carry flood insurance, regardless of value
This applies even if your home isn’t in a designated flood zone.
“But I Thought My Homeowners Policy Covered That…”
This is perhaps the most dangerous misconception in Florida real estate. Standard homeowners insurance covers water falling from above (like roof leaks), but not water rising from below (flooding). Without specific flood coverage, you’re left completely exposed to one of Florida’s most common disasters.
Your Flood Protection Options: Government vs. Private Market
Option 1: The National Flood Insurance Program (NFIP)
The government option. Like shopping at a state-controlled store—everyone pays the same price regardless of who sells it to you. Basic coverage with rigid limits.
Option 2: Private Flood Insurance
The market alternative. Companies like Neptune Flood are revolutionizing coverage with:
- Higher coverage limits (protect your luxury Naples home properly)
- Replacement cost for personal property (not depreciated values)
- Additional living expenses while repairs are made
- Even coverage for refilling that gorgeous swimming pool after a flood
The Strong Tower Difference
With access to 15+ flood insurance carriers, we don’t just sell policies—we analyze your specific situation. Waterfront property in Park Shore? Historic home in Old Naples? New construction in The Vineyards? Each requires a custom approach.
When the water starts rising (and in Florida, it’s always a matter of when, not if), the difference between recovering completely or facing financial disaster often comes down to having the right flood policy in place.
Naples Flood Insurance FAQs
Q: Does my standard Naples homeowners insurance cover flooding?
A: No. Standard homeowners policies in Naples only cover water damage from above (like roof leaks), not rising water.
Q: How much does flood insurance cost in Naples, Florida?
A: Costs vary based on elevation, flood zone, and home value.
Ready to Protect Your Naples Home?
Don’t wait until rising waters expose gaps in your coverage. With 2025 requirements approaching, our team can help find the right flood protection for your home.
Learn About Flood Insurance Options →
(239) 254-6373
