09/25/2026
Having a flood insurance policy is extremely beneficial in protecting your property. If you do not have flood insurance, talk to your insurance agent. Homeowner’s insurance policies do not cover damage from floods. However, because Tallahassee participates in the National Flood Insurance Program (NFIP), you may purchase a separate flood insurance policy. This insurance is backed by the federal government and is available to everyone, even for properties that have been flooded. You can receive flood insurance information by calling NFIP at 1-800-427-4661.
If you have flood insurance, check the amount and extent of coverage and make sure you have coverage for the contents. Remember, even if the last flood missed you or you have installed flood proofing devices, the next flood could be worse. There is normally a 30-day waiting period before flood insurance goes into effect, so it is essential to plan ahead.
Learn more in our Flood Prevention and Preparedness brochure available online at https://bit.ly/4qRzPMT and delivered with your City Utilities bill this month (Sept. 2026). If you receive your bill electronically, look for a link to the PDF.