Hurricane Season Is Here: Why Flood Insurance Is Essential for Sarasota Residents

Living in Sarasota means sunshine, beautiful beaches—and the annual risk of hurricanes. While most homeowners carry standard insurance, many are surprised to learn that flood damage isn’t covered under typical homeowners or renters policies. With hurricane season officially underway, now is the time to make sure you have the flood insurance protection you need.

Even if you’re not in a designated high-risk zone, flooding from heavy rain, storm surge, or overflowing canals can still cause significant damage and financial stress.

Why Flood Insurance Matters

In coastal Florida, flooding is one of the most common and costly natural disasters. The risk is increasing due to rising sea levels and stronger storms.

The following reasons are why flood insurance is essential:

• Standard homeowners insurance does not cover flooding. You need a separate flood policy, either through the National Flood Insurance Program (NFIP) or a private carrier.
• Just an inch of water can cause thousands of dollars in damage to flooring, drywall, appliances and more.
• Sarasota’s proximity to the Gulf of Mexico makes it vulnerable to storm surge, even from tropical storms or lower-category hurricanes.
• Flood policies have a 30-day waiting period, so you can’t wait until a storm is approaching to get covered.

What Flood Insurance Covers

Flood insurance typically includes coverage for the following:

• Structural damage to your home or building
• Essential systems like electrical and plumbing
• Appliances, flooring and built-ins
• Personal belongings (depending on the type of policy)

Whether you own a home, condo or rental property, or you rent your home, flood insurance may offer critical protection and financial security during hurricane season.

Don’t wait until the water rises. Contact us today to review your flood insurance options and make sure your Sarasota, Florida, property is ready for whatever this season brings.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.