TAMPA, Florida, May 6, 2015 — While the last major hurricanes to strike Florida date back to 2005, flooding is a more common occurrence. Florida’s risk for storm surge is also increasing with new construction and new residents flocking to coastal locales. The Florida Association of Public Insurance Adjusters will host the 2015 Spring Training Conference and now is the time to sign up. Be sure to make the Keynote address by Simon Blank, Director of the DFS Division of Fraud, and hear more about how FAPIA is now working directly with the Florida Property and Casualty Insurance Fraud Task Force. In our Floodplain Management Program, we work with flood insurance, elevating homes, train surveyors and floodplain managers, and create new flood maps – all geared toward property protection and insurance. Anyone can use the phrase Turn Around Don't Drown® on Social Media to help warn the public about the dangers of driving into flood waters. The Centers for Disease Control and Prevention report that over half of all flood-related drownings occur when a vehicle is driven into hazardous flood water. Learn about the effects of frostbite, signs and symptoms, prevention, treatment and general frostbite safety.

Recent flood insurance reforms are phasing in for areas at high risk for flooding, and flood maps are being updated to move some people into higher- or lower-risk zones.
Each year, more deaths occur due to flooding than from any other thunderstorm related hazard. The next highest percentage of flood-related deaths is due to walking into or near flood waters. Indeed, just last year, historic rainfall in the western Florida Panhandle brought more than 20 inches of rainfall that inundated Pensacola in April 2014.
Private excess flood insurance is also available if more coverage is needed than the maximum amount available from the NFIP.
Of these drownings, many are preventable, but too many people continue to drive around the barriers that warn you the road is flooded. During the one of the coldest winters to date, it's important to stay safe from the dangers of winter weather. A separate flood policy is required, which is available from the National Flood Insurance Program (NFIP) or through a few private insurance companies.

Florida may have more flood insurance policies in force than any other state, but the percentage is still small compared to the likelihood of flooding. Most renters living in low- to moderate-risk flood zones are eligible for preferred rates, with contents-only coverage ranging from $44 to $266 a year, depending on the flood zone and amount of coverage.
The average flood insurance policy for a homeowner, which includes coverage for both contents and the structure itself, costs $700, according to the NFIP. However, there are no “zero-risk zones.” It is important to recognize that Florida has more property at risk to storm surge than any other state.
By 2020, Florida is expected to see a 16 percent increase in people living near the shoreline. Keep in mind that flood insurance policies through the NFIP have a 30-day waiting period before they go into effect, so do not wait for a severe weather warning to start looking into flood protection.

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