Florida
Florida flipped from scarcity to competition — but not in every ZIP. See whether your client is likely to find cover.
Florida went from a handful of admitted carriers to 30+ as rate relief and reinsurance conditions improved. But the rebound is uneven — coastal and 4-point-inspection-sensitive ZIPs lag the broader market.
Carrier landscape: Recovering — uneven by ZIP
A modeled read of which carriers are writing in Florida, not an offer of coverage and not a quote. Availability is confirmed by a carrier, per property.
- Admitted-carrier count grew from a handful to 30+ over the last cycle
- Citizens depopulation accelerated in coastal counties
- 4-point inspections still gate coverage for older roofs
- Sinkhole + flood layered risk persists in central FL
Perils we score for Florida
Hurricane / wind
How CoverGuard scores hurricane / wind exposure for a property in this state.
- Hurricane / wind data sources
- NOAA hurricane tracks + ASCE 7-22 wind maps (estimated)Modeled estimate
- Source: NOAA hurricane tracks + ASCE 7-22 wind maps (estimated) · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
Flood
How CoverGuard scores flood exposure for a property in this state.
- Flood data sources
- FEMA NFHL + NOAA coastal flood hazard (storm surge)Modeled estimate
- Source: FEMA NFHL + NOAA coastal flood hazard (storm surge) · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
Sinkhole
How CoverGuard scores sinkhole exposure for a property in this state.
- Sinkhole data sources
- USGS karst dataModeled estimate
- Source: USGS karst data · Last checked 2026-06-02.
- State-level sourcing. A property-level answer needs the address.
ZIPs worth watching
ZIPs our team flagged for this market at its last review, not a modeled ranking. A ZIP appearing here does not mean a property in it is uninsurable, and its absence does not mean a property is easy to place.
- 33149
- 33480
- 32034
- 33037
- 33458
Last checked 2026-06-02. Figures are modeled from public hazard and market sources; each peril above names its own.
Florida insurance terms worth knowing
4-Point Inspection
A limited inspection of roof, electrical, plumbing, and HVAC — the check many carriers require on older homes before binding a policy.
Wind/Hail Deductible
A separate, usually percentage-based deductible for wind and hail claims — often much larger than the flat deductible on the rest of the policy.
Named Storm Deductible
A separate, higher deductible that applies only once a storm is officially named by NOAA — common along hurricane-exposed coastlines.
From the CoverGuard Record to a quote request — without the surprises
With carriers exiting major markets, insurance is killing deals at closing. CoverGuard reads the CoverGuard Record, models which carriers are likely to write the risk and what cover should cost, and sends your quote request to CoverGuard’s brokerage team — before anyone signs on the dotted line.
CoverGuard is in Private Preview. Ask for an invitation and a member of our team will review it — usually within one business day. Available in all 50 states.