A good resource for calculating flood insurance rates in Florida is the FloodSmart.gov website. The website offers an easy-to-use calculator for flood insurance that rates an individual's risk, estimates the premiums and helps find an insurance agent. Other available resources for calculating flood insurance rates in Florida are the calculators provided by companies that offer homeowners flood insurance policies, states FloodSmart.gov.
FloodSmart.gov offers various resources for those who want to know the risk levels in their area and gives advice on choosing the right coverage. The website also provides a list of questions a homeowner should ask an insurance agent before deciding on a specific policy. Other resources provided on the FloodSmart.gov website include a community rating system, flood facts, media resources and an agent locator.
Insurance companies such as Geico offer flood policies through the National Flood Insurance Program (NFIP). This type of flood insurance policy is backed by the federal government and the rates are tailored to each area. Consumers can get a quote online by entering some of the information regarding their property. Speaking to an adviser and getting a rate for a flood insurance policy over the phone is also possible, according to Geico.com.