Citizens Flood Insurance?

Upcoming Changes in Flood Insurance for Citizens Policyholders: What You Need to Know

As a homeowner, protecting your property from natural disasters is crucial. For many, flood insurance is
a key part of this protection. If you’re a Citizens Property Insurance policyholder, significant changes are
on the horizon.

Citizens’ Flood Insurance Requirements

By January 1, 2027, most Citizens’ personal residential policies that include wind coverage will be
required to have and maintain flood insurance coverage under a phased in approach created by the
Florida Legislature in December 2022. This requirement is expected to ensure that Citizens policyholders
will be fully protected from damage caused by severe weather.

Homes Within Flood Hazard Area

Effective for policies renewing between July 1, 2023, through June 30, 2024, for homes that include
wind coverage and are within the special flood hazard area (SFHA) as defined by the National Flood
Insurance Program (NFIP) must secure and maintain a flood policy.


Coverage Phases*

Most homes with wind coverage must secure and maintain a flood policy according to the following
schedule:

Effective 01.01.24 – Policies with dwelling value (Coverage A) of $600,000 or more
Effective 01.01.25 – Policies with a dwelling value of $500,000 or more
Effective 01.01.26 – Policies with a dwelling value of $400,000 or more
Effective 01.01.27 – All policies, regardless of value
*Note: Condominium unit-owner policies, tenant content policies and policies that exclude windstorm
or hail coverage are not required to purchase flood insurance coverage.

Required Documentation

New policy applicants and renewing policyholders are required to submit proof of flood coverage that
meets Citizens’ requirements and a completed Policyholder Affirmation Regarding Flood Insurance (CIT
FW01).

Proof of flood insurance can be satisfied with one of the following documents:

A copy of the submitted application and proof of payment as initial proof of compliance if an application
for flood coverage is pending

A copy of the flood policy declarations

Proof that the customer has a flood endorsement that meets the minimum standard on their underlying
multiperil policy for Citizens Wind-Only policies

Flood Coverage Limit Requirements
Dwelling Policies: Equal to or greater than your Citizens policy dwelling value, (Coverage A)
Maximum NFIP Limits

Citizens will accept the eligible maximum coverage amount if the above Dwelling and Tenant policy
limits are unavailable from the NFIP.

Regular program: $250,000 Coverage A
Emergency program: $35,000 Coverage A