Home, flood insurance in hurricane season, finding coverage in Florida

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Homeowners' insurance and flood insurance are typically sold as separate policies.

Most flood insurance policies have a 30-day waiting period before they become active.

It is difficult to get new homeowners' insurance during hurricane season, especially when a storm is approaching.

The 2025 hurricane season may be past its peak, but there's still a little over a month of the season left and major Hurricane Melissa is churning through the Caribbean. Of course, hurricane season means more potential for flooding, rain and wind damage.

But if you're a homeowner without homeowners, flood or property insurance during hurricane season, it's the hardest time of year for finding coverage.

Here's how flood insurance works in Florida, where and when to find a policy, and h