If It Can Rain at Your House, It Can Flood at Your House: Let’s Talk Coverage

Three palm trees reflected in floodwater.

April showers might bring May flowers—but in Florida, they can also bring flooded floors, ruined drywall, and a major financial headache. At First Beaches Insurance, we like to keep things simple, honest, and a little witty. So here it is:

If it can rain at your house, it can flood at your house.

Sounds dramatic? Maybe. But it’s true—and we’re here to break down what that really means for you, your home, and your insurance coverage.

Can Flooding Really Happen Here? (Spoiler: Yes.)

Whether you’re tucked away in a cozy neighborhood or living a few blocks from the beach, flood risk is real. In fact, flooding is the most common and costly natural disaster in the U.S., and Florida tops the charts when it comes to vulnerability.

Here in Jacksonville Beach, even a few hours of heavy rain can overwhelm drainage systems. Add in rising tides, storm surge, or a pop-up tropical system, and it doesn’t take long for water to start creeping where it doesn’t belong—like your living room.

What Homeowners Insurance Doesn’t Cover

Here’s a fun fact most people don’t find out until it’s too late: standard homeowners insurance doesn’t cover flood damage. That means if groundwater enters your home during a storm, you’re likely footing the bill yourself—unless you have a separate flood insurance policy.

And no, water damage from a broken pipe isn’t the same thing. We’re talking rising water from the outside in. That’s a whole different ball game.

The Real Cost of Flood Damage

Let’s talk dollars and sense.

  • Just one inch of water in your home can cause up to $25,000 in damage.
  • Most flood damage isn’t covered unless you’ve got specific flood insurance.
  • Repairs often include flooring, drywall, furniture, appliances, and even your foundation.

Suddenly, that low monthly premium doesn’t seem so bad, does it?

Not in a High-Risk Flood Zone? You’re Not Off the Hook

Here’s where it gets even trickier. Over 20% of flood claims come from homes outside high-risk flood zones. Translation: even if your mortgage company doesn’t require flood insurance, it doesn’t mean you don’t need it.

Florida weather is unpredictable. A sunny day can turn stormy fast. When that happens, it’s not going to ask for your zip code before deciding where to drop the most rain.

How to Protect Your Home Before the Next Storm

Good news: getting covered is easier than you think.

At First Beaches Insurance, we:

  • Help assess your property’s flood risk (everyone in Florida is in a flood zone)
  • Compare options through the National Flood Insurance Program (NFIP) and private insurers
  • Customize a flood insurance plan that works for your budget and your location

We’re locally owned, locally operated, and just a phone call away. No call centers. No cookie-cutter quotes. Just real coverage from real people who live right here in the community.

Let’s Make Sure You’re Covered

So, let’s say it one more time for the people in the back:

If it can rain at your house, it can flood at your house.

Now’s the time to take action—before hurricane season kicks off and the skies get moody.

Get a free flood insurance quote today
 Or just give us a call. We’ll walk you through everything you need to know—no pressure, no jargon, just coverage you can count on.