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Flood Insurance Authorization 2026

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The document is a Flood Insurance Authorization agreement in which mortgagors commit to obtaining flood hazard insurance if their property is identified as flood-prone by federal agencies. It includes a provision for escrowing part of the annual premium in their monthly payments.

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Click ‘Get Form’ to open the Flood Insurance Authorization in the editor.
In the first section, enter the names of all mortgagors in the designated field. Ensure that each name is spelled correctly for accurate documentation.
Next, provide the property address in the specified fields. This should include street number, street name, city, state, and zip code.
Review the statement regarding flood hazard insurance. If applicable, indicate your agreement by signing in the provided spaces for each mortgagor.
Finally, enter the date of signing in the designated area to complete your authorization.

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Is flood insurance mandatory in Florida 2027?

The requirement is being phased in over the next few years, with all policyholders expected to have flood coverage by 2027. If you currently have wind coverage through Citizens, you will soon be required to carry a separate flood insurance policy as well.

What is required to get flood insurance?

Youre required to have flood insurance if you own a home or business in a Special Flood Hazard Area (SFHA) and have a government-backed mortgage. Some banks require flood insurance even if you dont live in a high-risk area. Ask your mortgage lender about its flood insurance terms.

Has the NFIp been reauthorized?

a completed application for NFIP flood insurance and proof of the premium payment or the final settlement statement reflecting payment of the initial premium, or. the assignment of an existing NFIP flood insurance policy from the property seller to the purchaser.

What is the new bill for homeowners in Florida?

As of January 1, 2025, Floridas updated Homeowners Association (HOA) regulations, introduced through House Bill 1203 (HB 1203), are now fully in effect. Originally passed in mid-2024, these changes were designed to strengthen homeowner rights, increase transparency, and hold HOA boards more accountable.

What is the new law for flood insurance in Florida?

Since the end of FY2017, 33 short-term NFIP reauthorizations have been enacted (Table 1). The NFIP is currently authorized until September 30, 2025.

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Can you opt out of flood insurance in Florida?

Flood insurance is mandatory for properties in FEMA-designated Special Flood Hazard Areas (SFHAs) if they have a federally backed mortgage. However, Florida does not have a state-wide flood insurance requirement unless tied to federal regulations or lender requirements.

Flood Insurance Authorization 2026

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