Modeled dataCarrier availability & pricing are modeled.How this is modeled
CoverGuard

Florida

Florida flipped from scarcity to competition — but not in every ZIP. Find out where your client can actually get covered.

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.

Run a Florida insurability check

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
A broad landscape combines coast, river, forest, dry terrain, and homes.
Illustrative landscape — the kinds of exposure a Florida property review considers. AI-generated illustrative image for CoverGuard marketing; not evidence of a real customer, property, carrier result, or event. Illustrative only — no figure on this page is derived from this image, and no marker is placed at a real location.

  1. Flood Flood

    River and coastal context can vary significantly across nearby properties.

  2. Wildfire Wildfire

    Vegetation, terrain, and access are useful inputs for further review.

  3. Wind Wind

    Coastal exposure can shape the questions asked about a property.

  4. Earthquake Earthquake

    Regional context is a starting point and does not establish property-level loss.

Perils we score for Florida

Hurricane / wind

How CoverGuard scores hurricane / wind exposure for a property in this state.

Hurricane / wind data sources
NOAA + ASCE 7 wind zonesModeled estimate
Source: NOAA + ASCE 7 wind zones · 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 + Esri storm-surge propagationModeled estimate
Source: FEMA + Esri storm-surge propagation · 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

Where CoverGuard currently models the highest property-level deal risk. 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.

From the CoverGuard Record to bound coverage — without the surprises

With carriers exiting major markets, insurance is killing deals at closing. CoverGuard's AI reads the CoverGuard Record, models which carriers will write the risk, and pulls back indicative pricing with a quote request — before anyone signs on the dotted line.

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From CoverGuard Record to a quote request

The CoverGuard Advisor reads the risk, models which carriers will write it, and pulls back indicative pricing — with every number sourced and auditable.

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