---
title: "Flood Insurance in Fort Myers FL | Insurance Specialists of SW Florida"
url: https://www.fl-ins.com/insurance/flood
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
---

Andrew: https://www.fl-ins.com/team/andrew-koehneke

# 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: https://www.fl-ins.com/get-a-quote

Megan McCants, MBA Risk Advisor: https://www.fl-ins.com/team/megan-mccants
Andrew Koehneke Managing Partner: https://www.fl-ins.com/team/andrew-koehneke
Peggy Carlson Risk Advisor: https://www.fl-ins.com/team/peggy-carlson

## Free Flood Quote

A few quick questions. A local agent will compare carriers and send you options.

## Flood Insurance Carriers

American Strategic flood insurance carrier logo: https://www.asiprog.com/
Assurant flood insurance carrier logo: https://www.assurant.com/
Bankers Insurance Group flood insurance carrier logo: https://www.bankersinsurance.com/
Neptune Flood flood insurance carrier logo: https://neptuneflood.com/
Wright Flood flood insurance carrier logo: https://www.wrightflood.com/

## Flood Insurance Questions

Quick answers to questions we hear most often.