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
- 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
- NOAA + ASCE 7 wind zones
- Flood
- FEMA + Esri storm-surge propagation
- Sinkhole
- USGS karst data
ZIPs worth watching
Where CoverGuard flags the highest property-level deal risk this quarter.
- 33149
- 33480
- 32034
- 33037
- 33458
Data refreshed 2026-06-02.