Is this address in a flood zone?
Type any U.S. address. The tool pulls the FEMA flood zone for that exact point and gives you a ballpark annual flood insurance range.
Include the city: Merritt Island, Cocoa Beach, Viera, Satellite Beach, Rockledge, Melbourne and beyond.
Showing FEMA data for:
Brevard County condo insurance estimator
Condo owners don't insure the building. The association's master policy does that, and you pay your share through HOA dues. Your own HO-6 policy covers the inside of your unit, your belongings and your liability. Estimate it here.
Covers drywall-in: flooring, cabinets, fixtures, your upgrades, plus furniture and belongings. Many Brevard units land around $100K–$200K.
For reference, the average Brevard County condo unit-owner policy with wind coverage was about $1,445 a year (Florida Office of Insurance Regulation, data as of Sept. 30, 2025). Your quote depends on the building, the carrier, the master policy and your coverage choices. This is an estimate, not a quote.
What's driving your number
Who insures what in a condo
This is why condo insurance costs a fraction of house insurance, and why HOA dues climbed as master policy costs rose sharply across Florida after 2022.
| Item | Who pays for it |
|---|---|
| Roof, exterior walls, structure | Association master policy, built into your HOA dues |
| Hurricane/wind damage to the building | Association master policy |
| Flood damage to the building | Association flood policy (if it carries one) |
| Your floors, cabinets, drywall-in, upgrades | Your HO-6 (unless master policy is "all-in") |
| Your furniture and belongings | Your HO-6 |
| Liability if a guest is injured in your unit | Your HO-6 |
| Special assessments after a big loss | Your HO-6, up to your loss assessment limit |
FEMA flood zones in plain English
What the letters on a FEMA flood map mean for a Space Coast buyer.
Outside the 1% and 0.2% annual chance floodplains. Flood insurance is optional, but still worth pricing.
The 0.2% annual chance ("500-year") floodplain, or areas protected by a levee. Not federally required, but recommended.
The 1% annual chance ("100-year") floodplain, about a 26% chance of flooding over a 30-year mortgage. Also AH, AO, AR and A99. Required for federally backed mortgages.
Storm surge with waves of 3 feet or more. Stricter construction rules and the highest premiums.
Flood risk hasn't been studied. Rare in Brevard County.
Sources: FEMA Flood Zones glossary and FloodSmart.gov.
Florida insurance facts buyers ask me about
How is NFIP flood insurance priced now?
FEMA's Risk Rating 2.0 pricing (new policies since Oct. 2021, all renewals since April 2022) no longer prices by flood zone alone. It looks at distance to water, flood type, elevation, rebuild cost and more. Elevation certificates are optional but can still lower a premium.
By law, most existing policies can't go up more than 18% a year. Flood zones still decide whether a lender requires coverage.
Source: FEMA.gov, NFIP pricing approach.
Can I take over the seller's flood policy?
Yes, if it's an active NFIP policy with building coverage. The seller signs an assignment at or before closing, and you keep the policy's current premium, discounts and capped yearly increases. A brand-new policy starts at the full-risk price, so ask early.
Source: FEMA NFIP Flood Insurance Manual; FEMA.gov.
How much flood coverage can NFIP provide?
For a home: up to $250,000 on the building and $100,000 on contents. Higher-value homes often add private or excess flood coverage. New NFIP policies usually have a 30-day waiting period, except when bought with a loan closing.
Source: FloodSmart.gov.
Does Citizens require flood insurance?
For most Citizens homeowner policies with wind coverage, yes. It's required in high-risk zones, for homes with a $400,000+ rebuild cost as of 2026, and for all remaining policies starting Jan. 1, 2027. Condo unit-owner (HO-6) and renter policies are exempt.
Source: Citizens Property Insurance Corporation.
What is a wind mitigation inspection?
It's a one-page inspection form (OIR-B1-1802) that documents roof shape, roof-to-wall connections, roof deck attachment and opening protection. Florida law (s. 627.0629) requires insurers to offer discounts for features shown to reduce wind losses. On a house, it's usually one of the most valuable documents you can get.
Homesteaded owners of eligible site-built single-family homes may qualify for a free inspection and grants through the state's My Safe Florida Home program, when funding is available. Check mysafeflhome.com for current eligibility.
Sources: Florida Statutes s. 627.0629; Florida Department of Financial Services.
What changed for condos after Surfside?
Florida now requires milestone structural inspections and structural integrity reserve studies (SIRS) for condo buildings three stories or taller, and associations can no longer waive reserves for key structural items. That can mean higher dues or special assessments, so I review the inspection, SIRS, budget and master policy on every condo deal.
Source: Florida Statutes ch. 718 and s. 553.899.
Insurance can make or break a coastal deal.
Flood zone, master policy health and reserve funding are the first things I check for condo and waterfront buyers, before you fall in love with the view. Moving to the Space Coast? Let's talk before you write an offer.
Call Carrie · 256-479-2800Carrie Liotta, REALTOR®
Flood zone data is pulled live from FEMA's National Flood Hazard Layer and matched using U.S. Census geocoding (with OpenStreetMap as a backup). Zone boundaries can run through a single parcel, so the official determination comes from a flood zone determination company or survey. Flood and condo insurance figures are general estimates, not quotes, based on published Florida market data. Your actual premium depends on the carrier, the property's elevation, the building's inspection and claims history, the association's master policy and your coverage choices. Always confirm with a licensed Florida insurance agent and verify during your inspection period. Carrie Liotta is a licensed real estate agent, not an insurance agent.