Flood Insurance


Floods are the #1 natural disaster in the United States and can happen anywhere at any time; just one inch of floodwater from a storm or burst pipe can cause up to $25,000 in damage. In Florida, we are at a higher risk of flooding due to the potential for excessive amounts of rainfall during severe storms and during our hurricane season, which occurs between June 1 – November 30. While flooding can be difficult to predict and hard to avoid, investing in flood insurance can help safeguard your property. Most homeowner’s insurance does not cover flood damage; flood insurance is often a separate policy. Visit our FEMA Flood Maps site to assess your risk and contact your insurance agent to verify your coverage.

National Flood Insurance Program

The National Flood Insurance Program (NFIP) is managed by FEMA and is delivered to the public by a network of more than 50 insurance companies. Ocoee has adopted and enforced floodplain regulations that allow us to participate in the NFIP in order to provide our residents with the option to obtain NFIP coverage. Aspects of the NFIP include:

  • Meeting federal government requirements
  • Subsidized pre-FIRM rates
  • Eligible for Increase Cost of Compliance (ICC) Coverage to bring structure into compliance with City Ordinances
  • Protection against many cost increases after a claim
  • Eligibility for discounts on insurance through Ocoee’s participation in the CRS
  • Community eligibility for FEMA mitigation programs
  • A set waiting period of 30-days for the policy to take effect unless mandated
  • Maximum coverage limit
  • Cannot be canceled by the provider without a valid reason
  • Has statutory limits on coverage

Need an NFIP agent?

For coverage questions please call your agent or call 1 800-336-2627.

For general questions please call 1 800-427-4661 or email floodsmart@fema.dhs.gov.

Private Flood Insurance

Flood insurance through a private insurance agency is another option for the residents of Ocoee. Get multiple quotes to find the best coverage for you. Flood insurance under private insurers can be expected to:

  • Meet federal government requirements
  • Have Flexible Waiting periods
  • Be accepted by mortgage lenders along with NFIP coverage
  • Have higher claim limits
  • Include additional living expenses coverage

However, it should be noted that private insurance may:

  • Be canceled for any reason
  • Not write policies in the most at-risk areas
  • Not have statutory limits on coverage
  • Not be eligible for some FEMA mitigation programs
  • Not be eligible for discounts through Ocoee’s participation in the CRS

Obtain private marked flood insurance from the Florida Office of Insurance Regulation (FOIR).

For questions regarding your private market insurance coverage, the Florida Department of Financial Services may be contacted or called at 1 877-693-5236.

Additional Resources

Forbes flood-insurance Opens in new windowFEMA financial-help Opens in new window

  1. https://www.fema.gov/flood-insurance
  2. https://www.forbes.com/advisor/homeowners-insurance/flood-insurance/
  3. https://nationalfloodinsurance.org/nfip-vs-private/
  4. https://www.fema.gov/floodplain-management/financial-help/increased-cost-compliance
  5. https://www.fema.gov/floodplain-management/financial-help
  6. https://www.fema.gov/floodplain-management/financial-help/increased-cost-compliance