Hurricane insurance is a little tricky. Private homeowners insurance does not cover flood damage, but it should cover any damage caused by hurricane winds. Even so, many homeowner policies have special deductibles for hurricane damage that are separate from the general deductible for other damages.

If your home falls in a high-risk flood area and you carry a mortgage from a federally regulated or insured lender, your lender is legally mandated to require flood insurance on your property. While flood insurance is offered through the NFIP, policies are sold and administered by private insurance companies.

The flood elevation certificate is an important tool of the national flood insurance program (nfip). It is used to certify building elevations if the building is located in asfha in order to: determine the proper flood insurance premium rate for the building.