I have my homeowners and flood thru State Farm. Although flood is written thru FEMA its administered thru State Farm. If you are buying in Florida you get a standard premium. If you are a winter visitor (aka snowbird) you pay a surcharge, The reason its important to have both thru the same insurance company is the claims adjusters will find a meeting of the minds of whats flood and whats homeowners. During Charlie I had two companys and they couldnt agree where flood stopped and homeowners started. Take a piece of 4x8 drywall and no one wants to pay for the 4 inches in the middle. I would lock in my rates and understand flood will increase next year regardless because of Floridas and Texas claims

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getcozyitsautumn 100 pts expires 10/15

Thank You for setting up this forum. Member at FW since 2002.