Flood Insurance

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Contact a member insurance agent  Click Here



Pinellas County Flood Insurance Demographics
View demographics of pre-firm properties in high risk flood zones. Click Here
View the map of pre-firm commercial properties in high risk flood zones. Click Here
View the number of commercial properties in flood zones per municipality. Click Here
View how St. Petersburg's flood claims compare with other locations around the U.S. Click Here
View map showing thousands of Pinellas homeowners impacted by higher flood insurance. Click Here

Flood Insurance Information

View Congressman Jolly's official press release introducing commercial flood insurance legislation. Click Here 
View the Florida Association of Counties talking points for U.S. House Bill 3370 Click Here
View the pros and cons of U.S. House Bill 3370 Click Here
View the section by section summary of U.S. House Bill 3370 Click Here
View press release: SB 542 by Senator Brandes passed Appropriations Committee. Click Here
View the letter of support the Tampa Bay Beaches Chamber of Commerce sent to Gov Scott Click Here
View the January 30th Flood Insurance Update
Click Here
View the January 23rd Flood Insurance Update Click Here
View the letter of support the St. Petersburg Chamber of Commerce sent to Gov Scott Click Here
View Press Release from the Office of Management and Business at the White House.
Click Here
View Press Release from the Associated Press Click Here
View Press Release from Nelson: Congress takes steps toward flood insurance fix. Click Here
View Press Release: Castor announces flood insurance relief for homeowners. Click Here
Click Here
View the January 8, 2014 flood insurance update. Click Here
View Congresswoman Castors letter supporting HR3693 
Click Here
View the 11/25 correspondence with congressional delegation. Click Here
View Congresswoman Castor's letter urging committees to pursue delay rate hikes. Click Here
View an update on NFIP from the City of Clearwater's representative in DC. Click Here
View the 11/19 Flood Insurance Hearing in the Committee on Financial Services. Click Here
View the 11/15 correspondence with congressional delegation. Click Here

View the response from Congresswoman Castor urging adoption of legislation to delay increases. Click Here
View the response from Senator Nelson urging adoption of legislation to delay increases. Click Here
View the press release from Congressman Bilirakis introducing H.R. 3312 to delay increases. 
Click Here
View response from Congressman Young introducing H.R. 3218 to delay increases in flood insurance. Click Here
View the letter from United States Senate to Majority Leader Reid and Minority Leader McConnell. 
Click Here
View the letter from Congress to John Boehner and Nancy Pelosi. 
Click Here
Co Author of the Biggert Waters Act, Congresswoman Maxine Waters, Speaks Out! Click Here
View response from Florida's Office of Insurance Regulation to the Tampa Bay Beaches Chamber. 
Click Here
View the letter Florida House Speaker Will Weatherford sent to Congressional Leaders. Click Here
View the letter, signed by 109 businesses & associations, sent to the House Financial Committee. Click Here
View the press release from Governor Rick Scott's office demanding action. 
Click Here
View the email response from U.S. Senator Rubio's staff to constituents. Click Here 
View the email response from Attorney General Pam Bondi to constituents. 
Click Here
View the letter Congressman Bilirakis sent to FEMA Administrator Craig Fugate. Click Here
View U.S. Senator Marco Rubio's letter to Governor Rick Scott and CFO Jeff Atwater Click Here
View the language for U.S. Senator Nelson's amendment to lower flood insurance rate hikes. 
Click Here
View the letter from Congresswoman Castor to the Tampa Bay Beaches Chamber of Commerce. 
Click Here
View the statement County Commission entered into the record at the 9/18 Senate hearing. 
Click Here
View Jeff Atwater's, Florida CFO, letter to Florida's Congressional Delegation. Click Here
View Congressman Young's statement for the record to the Senate Committee. 
Click Here
Watch the 9/18 Committee on Banking, Housing, & Urban Affairs hearing. 
Click Here 
View letter issued from FL Senator Jeff Brandes to the Chair of the Senate Committee. Click Here 
View letter from Governor Rick Scott to U.S. Senator's Marco Rubio and Bill Nelson. 
Click Here
View Congressman Young's flood insurance testimony. Click Here 
See the impact of the Biggert Waters Flood Insurance Reform Act of 2012. 
Click Here
View Congressman Young's response to increases in flood insurance. 
Click Here
View letter from Congressman Young inviting FEMA Administrator to Pinellas County. Click Here
View U.S. Senator Nelson's response to increases in flood insurance. 
Click Here
View letter from Holehouse Insurance describing flood insurance changes. 
Click Here
Lloydes of London is writing some flat policies, Please check with a Chamber member. Click Here
FAQ: Frequently asked flood increase questions and answers. 
Click Here
View timeline of our actions regarding Biggert-Waters Flood Insurance Reform Act. Click Here 

September 25th Flood Insurance Seminar at St. Petersburg College.
- View video of the seminar. 
Click Here
- View Powerpoint presentation from the seminar. Click Here
November 7th Flood Insurance Seminar at Gulfport Casino
- View video of the seminar. 
Click Here 

Flood Insurance in the News
January 5, 2015  - Saint Petersblog - U.S. Rep.  David Jolly Discusses his three legislative priorities for 2015 
January 5, 2015 - Tampa Bay Times - Rep. David Jolly seeks more flood insurance legislation
April 09, 2014 - Tampa Bay Times - Business owners gird for new flood insurance battle
April 09, 2014 - Tampa Tribune - Private flood insurance options expand in Florida
March 26, 2014 - Tampa Bay Times - Jolly will introduce flood insurance legislation for commercial
March 26, 2014 - Florida Current - Senate quickly passes flood bill, sets up clash with House
March 24, 2014 - Tampa Tribune - Fla. lawmaers consider flood insurance changes
March 14, 2014 - abc NEWS - Obama to Sign Relief From Flood Insurance Hikes
March 13, 2014 - USA TODAY - Flood insurance bill clears Congress
March 13, 2014 - Tampa Bay Times - Senate agrees to undo sharp flood insurance increases
March 05, 2014 - NewsChannel 8 -
Chamber President, Robin Sollie, Discusses Flood Insurance
March 05, 2014 - WUSF NEWS - Chamber President Explains the Impact of Flood Insurance Legislation
March 05, 2014 - Fox 13 -
Flood insurance relief on the horizon
March 05, 2014 - NPR - House Approves Measure To Ease Flood Insurance Hikes
March 04, 2014 - USA TODAY -
House passes flood insurance bill
March 05, 2014 - abc NEWS - 2 Years Later, Congress Poised to Undo Flood Law
March 04, 2014 - Insurance Journal - House Passes Flood Insurance Bill; Key Senators Sign On
March 04, 2014 - NBC NEWS - House OK's Bill to Undo Flood Insurance Premium Hikes
March 04, 2014 - Tampa Bay Times - U.S. House overwhelmingly passes flood insurance relief bill
February 26, 2014 - NewsChief - State Private-Insurance Bill: Flood Insurance Alternative
February 24, 2014 - Tampa Bay Times - Rick Scott hammers White House, Obama over flood insurance...
February 22, 2014 - New York Daily News - Republican House leaders finalize bill that would repeal flood...
February 20, 2014 - Tampa Bay Times - Republican Rep. Gus Bilirakis loses leadership post for voting to...
February 19, 2014 - NBC News - Meet the Flood Insurance 'Robin Hood' Who Saves Condo Owners Millions
February 14, 2014 - Tampa Bay Times - Pinellas appraiser surveys 800 properties hit by flood insurance...
February 12, 2014 - Florida Current - 2nd flood insurance bill floated in House as legislation hits
February 12, 2014 - Tampa Bay Times - Flood insurance bill supporters have votes to pass but
February 11, 2014 - WTSP 10 News - Home sellers get creative with skyrocketing flood insurance
February 11, 2014 - Palm Beach Post - Flood bill has House majority as co-sponsors, only...
February 07, 2014 - CNBC - Flood insurance battle reaching high-water mark
February 06, 2014 - Florida Current - Flood bill to get anonther look as Sen. Latvala grumbles...
January 30, 2014 - Tampa Tribune - Chamber Gov. Affairs Rep, Doug Izzo, Discusses Flood...
January 30, 2014 - CBS NEWS - Senate votes to delay flood insurance premium hikes
January 30, 2014 - TBN Weekly - Senate says no to flood insurance hikes
January 30, 2014 - Tampa Bay Times -
U.S. Senate approves delay in flood insurance rate hikes
January 30, 2014 - Wall Street Journal - Senate Votes To Delay Flood Insurance Premium Increases
January 30, 2014 - Tampa Tribune -
Bill to delay flood rate hikes poised to pass

January 29, 2014 - ABC News -
Senate May Delay Flood Insurance Rate Hike
January 28, 2014 - New York Times - Popular Flood Insurance Law Is Target of Both Political Parties
January 28, 2014 - Insurance Journal - Why Obama Should Support Delaying Biggert-Waters Flood
January 27, 2014 - USA Today -
Senate moves forward on flood insurance bill

January 27, 2014 - Wall Street Journal -
Senate Moves Ahead on Flood Insurance Bill
January 27, 2014 - Tampa Bay Times - Flood insurance bill easily passes test vote
January 27, 2014 - WTSP 10 News - Senate votes to advance flood insurance bill
January 27, 2014 - ABC News - Senate Acts on Bill to Delay Flood Insurance Hikes
January 27, 2014 - Tampa Bay Times - Florida may chase federal discounts as flood insurance rate rise
January 22, 2014 - Tampa Bay Times - Seminole homeowners become flood insurance pioneers
January 22, 2014 - WTSP 10 News - Insurer offers pre-Biggert-Waters flood insurance rates
January 20, 2014 - Tampa Tribune - Nelson: Senate to pass flood insurance relief
January 19, 2014 - TBN Weekly  - Officials continue talks on flood insurance 
January 18, 2014 - Tampa Bay Times - Flood insurance crisis has makings of a hollywood disaster movie
January 14, 2014 - WTSP 10 News - Congress takes step toward flood insurance fix
January 14, 2014 - Tampa Tribune - Congress to vote on flood insurance relief
January 14, 2014 - Tampa Bay Times - Washington spending bill includes limited flood insurance rate...
January 13, 2014 - Tampa Tribune - Can state lower flood insurance rates? No one knows
January 12, 2014 - Tampa Bay Times - Battling flood insurance rate hikes without government help
January 10, 2014 - USA Today - Rubio says he'll vote to delay flood insurance hikes
January 09, 2014 - Tampa Bay Times - Rubio says he'll vote for flood insurance bill
January 09, 2014 - Tampa Bay Times - Sen. Marco Rubio says he'll vote for flood insurance rate hike delay
January 09, 2014 - Sunshine State News - Flood Insurance Bill Wins Unanimous Support in Senate Committee
January 08, 2014 - Tampa Bay Times - Florida lawmakers take first step in seeking private flood insurance
January 08, 2014 - Florida Current - Senate moves on flood insurance fix
January 08, 2014 - TB Business Journal - Will anyone rescue waterfront property owners drowning in flood...
January 08, 2014 - Tampa Tribune - State relief for high flood insurance bills moves ahead
January 07, 2014 - USA Today - Flood insurance bill gets final push from senators
December 29, 2013 - Tampa Bay Times - Flood-insurance hikes ravage Tampa Bay neighborhood home sales
December 28, 2013 - Bay News 9 - Pinellas County coalition to address flood insurance crisis
December 25, 2013 - Bay News 9 - Impacted or not, Pinellas, Hillsborough residents want new flood insurance...
December 24, 2013 - Tampa Bay Times - Poll: Opposition to flood insurance rate hike is strong
December 23, 2013 - Bay News 9 - Database glitch adds to flood insurance troubles
December 22, 2013 - Tampa Bay Times - Name glitch adds to flood insurance woes
December 20, 2013 - Tampa Tribune - Flood rate fears sink condo sales
December 17, 2013 - WFLA Channel 8 - 
Lawmakers want more flood insurance options for Tampa Bay
December 17, 2013 - Florida Current - Senator Brandes' bill wants private insurers to jump into flood...
December 17, 2013 - Tampa Bay Times - Brandes and Ahern propose legislation to create private flood... 
December 15, 2013 - Tampa Tribune - Homeowners look to state for flood insurance relief
December 13, 2013 - Tampa Bay Times - Political rhetoric that subsidized flood insurance rates help rich...
December 13, 2013 - Business Journal - Homeowners Choice gets flood insurance OK
December 12, 2013 - Insurance Business - As Senate preps for flood insurance vote, others seek market... 
December 11, 2013 - Tampa Bay Times - Nelson, other senators rebuffed on flood insurance fix
December 11, 2013 - The Ledger - Biggert-Waters Reform Act: Brandes to File Flood Insurance Legislation
December 10, 2013 - Tampa Bay Times - FEMA is gouging without conscience
December 06, 2013 - Tampa Bay Times - Seminole couple hit with $44,000 flood insurance premium
December 05, 2013 - Herald Tribune - Florida Congressman hoping courts will strike down flood...
December 04, 2013 - Tampa Tribune - Lawmakers take on flood rates
December 01, 2013 - Wall Street Journal - Flooding Taxpayers Again
November 27, 2013 - Florida Current - Calm hurricane season over, but rocky waters ahead for...
November 21, 2013 - Tampa Bay Times - Florida delegation blames FEMA for moving too fast...
November 21, 2013 - ABC News - Tampa Bay homeowners may soon feel relief from high flood...
November 20, 2013 - Tampa Bay Times - Flood insurance woes and fall slowdown cool Tampa...
November 19, 2013 - Tampa Bay Times - Senators will try to amend flood insurance rate fix into...
November 19, 2013 - Tampa Tribune - New options may turn tide on flood insurance rates...
November 19, 2013 - Tampa Bay Times - Group of US senators will try and add flood insurance... 
November 13, 2013 - The Observer - 
Bill delaying higher flood insurance rates could become law...
November 12, 2013 - Herald Tribune - State eyes flood insurance issue
November 12, 2013 - Florida Current - State backs Mississippi lawsuit over flood insurance
November 08, 2013 - Tampa Bay Times - Column: Reform and releif for flood policyholders
November 07, 2013 - Press Release - Senator Brandes to Propose Private Flood Insurance Option
November 06, 2013 - Tampa Tribune - Seminar on flood insurance hike slated for Gulfport 
October 30, 2013 - Florida Current - Will private insurers surge into flood insurance market?
October 29, 2013 - FOX 13 - Lawmakers introduce legislation to delay flood insurance hikes
October 29, 2013 - Tampa Tribune - New federal legislation would stall flood insurance hikes
October 28, 2013 - FOX Business - More problems with flood reform  
October 28, 2013 - WFLA Channel 8 - 
Congressional plan would delay higher flood insurance rates...
October 28, 2013 - ABC News - Senator Bill Nelson says rising flood insurance rates could be delayed... 
October 28, 2013 - Tampa Bay Times - Congressional lawmakers unviel deal to delay sharp rate...
October 23, 2013 - Tampa Tribune - Private firm selling flood insurance in Florida
October 21, 2013 - QC News - Senate Coalition Pushing for Flood Insurance Rate Hike Delays
October 21, 2013 - CNN - Flood insurance costs soaring for thousands of homeowners
October 18, 2013 - Tampa Tribune - Florida lawmakers exploring flood insurance alternatives
October 17, 2013 - FOX 13 - Flood insurance escrow fiasco leaves homeowner sunk
October 15, 2013 - Tampa Tribune - Stop tidal wave of flood insurance rate increases in Florida
October 12, 2013 - New York Times - Cost of Flood Insurance Rises, Along With Worries
October 11, 2013 - Tampa Bay Business Journal - Beaches Chamber backs Florida action on flood insurance
October 10, 2013 - The Florida Current - Scott, Bondi, Atwater blast federal flood inaction
October 10, 2013 - Tampa Bay Times - Florida supports Mississippi suit seeking to ward off flood...

October 09, 2013 - TBN Weekly - County staff takes on flood insurance issue
October 09, 2013 - Palm Beach Post - Governor Scott calls on President Obama to hold back flood...
October 08, 2013 - The Florida Current - Senator Simmons wants state solution on flood rates if... 
October 08, 2013 - Miami Herald - 
State looking into alternatives to federal flood insurance 
October 08, 2013 - Tampa Bay Times - Next front to fight flood insurance rate hikes: lawsuits
October 05, 2013 - Tampa Tribune - Homeowners need relief from massive flood insurance rate hikes
October 02, 2013 - Tampa Bay Times - How Florida delegation voted on flood insurance bills
October 01, 2013 - Senate Newsroom - Rubio Pushes for Flood Insurance Reform
October 01, 2013 - WTSP 10 News -  
Senator Bill Nelson says flood insurance bill blocked by politics
October 01, 2013 - WFLA Channel 8 - Pinellas family faces triple whammy in flood insurance rate hike
October 01, 2013 - ABC Action News - Flood insurance rate hikes now in affect
October 01, 2013 - WFLA Channel 8 - Governor Scott asks for flood insurance fix
October 01, 2013 - FOX 13 - Simon Says: The rising cost of insurance
October 01, 2013 - Tampa Tribune - Governor Scott, residents rap lawmakers over flood insurance hikes
October 01, 2013 - Tampa Bay Times - Governor Scott brings fight against flood insurance rate hikes...
September 30, 2013 - Tampa Bay Times - 10 suprising - and irritating - facts about flood insurance
September 30, 2013 - FOX 13 - 
Flood insurance rates to go up
September 30, 2013 - Tampa Tribune - Insurance rates soar in flood-prone areas
September 30, 2013 - Tampa Bay Times - New data: Modest homes hit hardest by flood insurance...
September 28, 2013 - Tampa Tribune - Flood insurance rate hikes threaten "Old Florida" communities
September 28, 2013 - ABC News - Flood insurance rates expected to rise October 1st for people living...
September 28, 2013 - Weather Channel - Skyrocketing Flood Insurance Rates Brings Financial Choas...
September 27, 2013 - WTSP News 10 - Homeowners brace for flood insurance bills
September 27, 2013 - FOX 13 - Ballas Point homeowners bracing for flood insurance hikes
September 27, 2013 - NPR - Nixed Flood Insurance Subsidy Drowns Coastal Home Values
September 26, 2013 - PropertyCasualty360 - Mississippi Insurance Department Sues FEMA to Stop Flood...
September 25, 2013 - TBN Weekly - Experts talk about flood insurance crisis
September 25, 2013 - FOX 13 - More shocking flood insurance figures emerge
September 25, 2013 - Tampa Bay Times - Opponents of flood insurance rate hikes galvanize at...
September 25, 2013 - WFLA Channel 8 - Homeowners brace for rising flood insurance rates
September 25, 2013 - Bay News 9 - Pinellas property appraiser to inform public on flood insurance
September 24, 2013 - Reuters Orlando - Coastal, riverbank homeowners brace for U.S. flood insurance...
September 24, 2013 - Tampa Bay Times - 
Seminole forum on flood insurance rates expects big...
September 24, 2013 - Tampa Tribune - Nelson measure would stop flood insurance increases
September 24, 2012 - WFLA Channel 8 - Tampa Bay homeowners protest FEMA
September 23, 2012 - TBN Weekly - Sep. 25 seminar focuses on flood insurance
September 23, 2013 - Tampa Tribune - 
Flood insurance changes prove politically challenging 
September 19, 2013 - WFLA Channel 8 - Flood insurance rates set to soar for some homeowners
September 18, 2013 - Tampa Bay Times - Rising flood insurance rates will affect many inland homes
September 18, 2013 - FOX 13 - This is not a beach problem
September 18, 2013 - Tampa Tribune - Thousands of Pinellas homes face flood insurance rate hikes
September 18, 2013 - Tampa Bay Times - FEMA Chief says he can't stop flood insurance rate increases
September 17, 2013 - Tampa Bay Times - Senate panel examines flood insurance rate increases
September 17, 2013 - The Beach Beacon - Pinellas adds voice to insurance hearing
September 15, 2013 - FOX 13 - Flood insurance hike hitting home
September 13, 2013 - Tampa Bay Times - Flood insurance hikes could hit mom-and-pop beach...
September 13, 2013 - Tampa Bay Times - Legislators search for a fix to stop some flood Insurance...
September 12, 2013 - FOX 13 - With rising flood insurance rates, many Pinellas businesses will be...
September 11, 2013 - FOX 13 - 
With flood rate hike looming, options are few
September 10, 2013 - Tampa Bay Times - Soaring flood insurance rates fuel anxiety in real estate
September 9, 2013 - TBN Weekly - County Mobilizes on flood insurance change
September 7, 2013 - Tampa Bay Times - New flood insurance rules have consiquences for Florida...
September 5, 2013 - Tampa Tribune - Don't retreat from reforming National Flood Insurance
September 3, 2013 - Tampa Tribune - Risking flood insurance rates could hurt real estate market
August 21, 2013 - WUSF News - Beach Residents Seek Answers on Insurance
August 20, 2013 - FOX 13 - Flood insurance costs begining to hit home
August 20, 2013 - WMNF 88.5 - FL homeowners to pay higher rates on insurance

Action Needed at the Federal Level
U.S. House Bill H.R. 4313 -  To ensure fairness in premium rates for coverage for businesess properties
Click Here to Contact Federal legislators and urge them to support H.R. 4313  

Sign the online petition to STOP this flood insurance crisis. Click Here
Download/Sign petition to STOP the flood insurance crisis; Return to Chamber of Commerce. 
Click Here

Action Needed at the State Level
SB.542 passed the Senate.
House companion bill (HB879).  
State Senator Jeff Brandes Introduced Florida Legislation SB.542
Click here for more information  /  Click here for bill text 
State Representative Hooper Introduced HB.879 (House Companion to SB.542)
Click here for more information  /  Click here for bill text

Contact Speaker of the House, Representative Will Weatherford - 
Phone: (850) 717-5038, Fax: (813) 558-5117
Form Letter: Click Here    Website: Click Here
Mailing: Room 420 CAP, 402 South Monroe Street, Tallahassee, FL 32399

Template Letters For Commercial Policy Holders

U.S. Congresswoman Kathy Castor Form Letter
U.S. Senator Bill Nelson Form Letter
U.S. Senator Marco Rubio Form Letter
U.S. State Representative Gus Bilirakis Form Letter

Template Letters For Residential Policy Holders
U.S. Congresswoman Kathy Castor  Form Letter
U.S. Senator Bill Nelson 
Form Letter 
U.S. Senator Marco Rubio 
Form Letter 
U.S. State Representative Gus Bilirakis 
Form Letter

Resolutions Passed by Local Municipalities
The City of Gulfport
The City of Indian Rocks Beach
The Town of Indian Shores
The City of Madeira Beach
The Town of North Redington Beach
The Town of Redington Beach

The City of St. Pete Beach
The City of Treasure Island

Barrier Island Government Council

Letter sent to U.S. Senator Nelson Click Here
Letter sent to U.S. Senator Rubio Click Here

Pinellas County Commission
Letter sent to U.S. Senator Nelson. Click Here
Letter sent to U.S. Senator Rubio. 
Click Here