--- title: "Flood Insurance in Fort Myers FL | Insurance Specialists of SW Florida" description: "Get flood insurance to protect your home in Southwest Florida. NFIP and private flood options available. Call Insurance Specialists of SW Florida." lang: en json-ld: --- [ ![Andrew Koehneke - Managing Partner at Insurance Specialists of SW Florida](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp) Andrew ](/team/andrew-koehneke) [![Insurance Specialists of SW Florida - Bonita Springs insurance agency logo](/assets/insurance-specialists-sw-florida-logo-D4Ga2KGg.webp)](/) [Home](/) Insurance [Home Insurance](/insurance/home)[Auto Insurance](/insurance/auto)[Flood Insurance](/insurance/flood)[Condo Insurance](/insurance/condo)[Umbrella Insurance](/insurance/umbrella)[Commercial Insurance](/insurance/commercial)[Golf Cart Insurance](/insurance/golf-cart) [Other](/insurance/other) [Motorcycle](/insurance/motorcycle)[RV](/insurance/rv)[Pet](/insurance/pet)[Travel](/insurance/travel)[Renters](/insurance/renters)[Wind Only](/insurance/wind-only)[Jet Ski](/insurance/jet-ski)[Boat](/insurance/boat)[Builders Risk](/insurance/builders-risk)[Manufactured](/insurance/manufactured) Why Us? [Meet the Team](/about/team)[Our Carriers](/about/carriers)[Blog](/blog) Locations [Fort Myers / Estero](/contact)[Bonita Springs / Naples](/contact/bonita-springs)[Fremont, Ohio](/contact/ohio) [FAQ](/faq) [(239) 949-7717](tel:+12399497717)[Get My Quote](/get-a-quote) ![Flood insurance in Bonita Springs, Naples and Fort Myers Florida - coastal flooding risk in Southwest Florida](/__l5e/assets-v1/bde33db2-d4a3-40be-855e-2d4afb794fef/bg-flood.jpg) # Flood Insurance Essential coverage for Southwest Florida homeowners that protects your home and possessions from damage caused by flooding. Standard homeowners insurance does not cover flood damage. In Southwest Florida, where heavy rains and storm surges are common, flood insurance is a necessity rather than an option. We offer both National Flood Insurance Program (NFIP) policies and private flood insurance options, giving you flexibility in coverage and pricing. Whether your property is in a high-risk flood zone or a preferred zone, we can help you find the right level of protection at the best available rate. Because flood policies typically have a 30-day waiting period, don't wait until storm season to get covered. Contact us today to make sure you're protected before the next big storm. [Get My Quote](/get-a-quote) [![Megan McCants, MBA, Risk Advisor - Southwest Florida flood insurance agent](/assets/megan-mccants-risk-advisor-bonita-springs-UzcsEXYa.webp "Megan McCants, MBA - flood insurance agent")Megan McCants, MBA Risk Advisor ](/team/megan-mccants)[![Andrew Koehneke, Managing Partner - Southwest Florida flood insurance agent](/assets/andrew-koehneke-managing-partner-bonita-springs-UqMMi1Ag.webp "Andrew Koehneke - flood insurance agent")Andrew Koehneke Managing Partner ](/team/andrew-koehneke)[![Peggy Carlson, Risk Advisor - Southwest Florida flood insurance agent](/assets/peggy-carlson-risk-advisor-bonita-springs-B65jlRG6.webp "Peggy Carlson - flood insurance agent")Peggy Carlson Risk Advisor ](/team/peggy-carlson) ## Free Flood Quote A few quick questions. A local agent will compare carriers and send you options. First Name \* Last Name \* Phone \* Email \* Property Address \* Company I agree that Insurance Specialists of SW Florida may contact me by phone, text message, or email regarding an insurance quote. Message and data rates may apply. Consent is not a condition of purchase. Get My Quote Prefer to talk? Call [(239) 949-7717](tel:+12399497717) ## Flood Insurance Carriers [![American Strategic flood insurance carrier logo](/assets/american-strategic-insurance-carrier-logo-Exy016oR.webp)](https://www.asiprog.com/)[![Assurant flood insurance carrier logo](/assets/assurant-insurance-carrier-logo-TkuLVE_y.webp)](https://www.assurant.com/)[![Bankers Insurance Group flood insurance carrier logo](/assets/bankers-insurance-carrier-logo-C8rcYnnB.webp)](https://www.bankersinsurance.com/)[![Neptune Flood flood insurance carrier logo](/assets/neptune-flood-insurance-carrier-logo-BJ961sb0.webp)](https://neptuneflood.com/)[![Wright Flood flood insurance carrier logo](/assets/wright-flood-insurance-carrier-logo-DTmNbEB6.webp)](https://www.wrightflood.com/) Show More ## Flood Insurance Questions Quick answers to questions we hear most often. Show More ![Insurance Specialists of SW Florida - independent insurance agency serving Bonita Springs, Naples and Fort Myers](/assets/insurance-specialists-sw-florida-footer-logo-KAHxkE0K.webp) We work to provide policies that protect our clients' assets and well-being. Licensed in Florida, Ohio, Michigan, Tennessee, Pennsylvania, South Carolina, and Indiana. #### Contact [(239) 949-7717](tel:+12399497717) Bonitasprings@fl-ins.com 12870 Trade Way Four, Suite 108 Bonita Springs, FL 34135 #### Business Hours Mon–Fri: 9am – 5pm Sat–Sun: Closed [](https://www.facebook.com/insurancespecialists/)[](https://www.youtube.com/@GetFloridaInsurance)[](https://www.linkedin.com/company/insurance-specialists-of-sw-florida-llc/posts/?feedView=all)[](https://g.page/r/CWejDDOOSNe1EBM/review) © 2026 Insurance Specialists of SW Florida. All rights reserved.