Flood insurance required..even if you are in a non-flood zone

Below is the timeline for Citizens to implement this program.
How long do you think it will be before the other carriers will also implement this?

  • January 1, 2024, for property valued at $600,000 or more.
  • January 1, 2025, for property valued at $$500,000 or more.
  • January 1, 2026, for property valued at $400,000 or more.
  • January 1, 2027, for all other personal lines residential property insured by Citizens.

We went to Citizens to ask why they need homeowners in non-flood zones to have flood coverage.
**“**Following Hurricane Ian, you saw what happened in Orlando. So many people, even in the hardest hit areas, were not in flood zones and did not have flood insurance,” answered Citizens Spokesperson Christine Ashburn.