Mandatory Flood Insurance for Citizens Policyholders
A new law passed a couple of years ago made it mandatory for people insured with Citizens to carry separate flood insurance. This is mandatory only for people who have wind/hurricane coverage on their policy.
- People in flood zones needed to have flood insurance in place starting in 2023
- People with Dwelling Coverage over $600,000 need to have flood insurance starting in 2024.
- People with Dwelling Coverage over $500,000 need to have flood insurance starting in 2025.
- People with Dwelling Coverage over $400,000 need to have flood insurance starting in 2026.
- Effective January of 2027, all homes, regardless of value, will need to have flood insurance.
