Flood Insurance: Protect What Matters

Flooding is the most common and costly natural disaster in Florida—and Delray Beach is no exception. Whether you live near the Intracoastal, Lake Ida, or in a low-lying inland area, flood insurance is a vital tool for protecting your home and finances.

Why You Need Flood Insurance

• Homeowners insurance does NOT cover flood damage.
• Just one inch of water can cause over $25,000 in damage.
• Flooding can happen from storm surge, king tides, heavy rain, or even blocked storm drains.

Who Should Have It?

• Everyone in Delray Beach—not just those in high-risk zones.
• Over 30% of flood claims come from properties outside Special Flood Hazard Areas (SFHAs).
• Renters can also purchase flood insurance to protect their belongings.

What Does It Cover?

Flood insurance typically includes:

• Building coverage: walls, foundation, plumbing, electrical, HVAC.
• Contents coverage: furniture, appliances, clothing, electronics.
• Temporary living expenses (in some private policies).

What’s Not Covered?

• Damage from gradual seepage or poor maintenance.
• Landscaping, pools, fences, and decks.
• Vehicles (covered under auto insurance if you have comprehensive).

Where to Get Flood Insurance

Flood insurance is available through:

• The National Flood Insurance Program (NFIP), managed by FEMA.
• Private insurers offering expanded coverage and faster claims.

You can explore options through:

• FloodSmart.gov
• Local agents

Need Help?

• Call the City of Delray Beach Building Department at (561) 243-7200 for guidance.
• Use the Flood Zone Determination Tool to check your property’s risk.
• Review your current policy and ask about Elevation Certificates to potentially lower your premium.