Look up the address on FEMA's flood map, or ask the builder for the home's flood zone.
Even outside a high-risk zone, flood insurance can be cheap. It is worth getting a quote.
Do new homes in Florida need flood insurance?
Only some. If the home is in a high-risk flood zone and you have a loan, the lender requires flood insurance. Many new homes are outside those zones.
More questions
- Are new construction homes already built, or do I wait?Both. Builders sell homes that are ready now, homes that are being built, and homes that have not been started yet.Read the answer
- Do new construction homes have an HOA?Most new communities do. The HOA fee pays for shared things like the pool, the gates or the grass at the entrance.Read the answer
- What is a CDD fee on a new home in Florida?A CDD is a special district that paid to build the roads, water lines and other parts of a new community. Homeowners pay it back each year on their property tax bill.Read the answer
- Why can property taxes go up the year after I buy a new home?The first tax bill on a new home is often based on the land only, because the house was not finished when the county set the value. The next year's bill counts the house too.Read the answer