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Home Insurance for Coastal Homes

Coastal and near-coastal homes face the highest wind and storm-surge exposure in Florida, and carriers underwrite them accordingly — some restrict how close to the water they’ll write a policy, and most require or reward wind mitigation features (roof shape, roof-to-wall connections, opening protection) with a discount.

Flood risk is separate from wind risk: a standard homeowners policy never covers storm-surge flooding, regardless of how close to the coast you are.

Check specific carriers’ published coastal-distance and wind-mitigation guidance in our carrier comparison tool.