Most Citizens Property Insurance policyholders must have flood insurance to renew their policies, regardless of where they live.
Beginning Jan. 1, 2027, most residents with Citizens Property Insurance must have a flood insurance policy to renew their policies. The new state requirement is for all homes, with the exception of condominium units and apartment dwellers, regardless of the FEMA flood zone.
- Citizens Property Insurance will send out notifications prior to renewal dates to remind policyholders of the new requirements.
- Residents should contact their individual insurance agent if they are not sure or have questions about the new regulation.
- After Jan. 1, 2027, residents who do not have flood insurance will need to work with their agent to bring their policy into compliance to avoid being dropped from coverage when their existing policy comes up for renewal.
Learn more about the new flood insurance requirements.