Can I get homeowners insurance on a barrier island in Florida?

Yes. HOInsurance.com specializes in coverage for barrier islands and coastal properties throughout Florida that other carriers won't insure.

Do you offer flood insurance in Florida?

Yes. We offer both NFIP and private flood insurance options for Florida homeowners, condos, and high-risk coastal properties.

How do I get a Florida homeowners insurance quote?

Call 800-616-1418 or fill out our quick online form at hoinsurance.com for an instant Florida homeowners insurance quote.

Naples Homeowners & Flood Insurance | 239ins.com

Insuring a Home in Naples and Collier County

Naples is a high-value coastal market, and in September 2022 Hurricane Ian showed exactly what that exposure means. The surge, the rebuild rules that followed, and the kind of homes along this coast all shape what coverage is available and what it costs.

Ian’s surge was the highest here in over 150 years

When Hurricane Ian came ashore just to the north in September 2022, its storm surge reached roughly 12 feet in Collier County and close to 14 feet at Fort Myers Beach — the highest recorded in Southwest Florida in more than a century and a half. In Naples the surge rolled over the dunes and into homes blocks from the water. Homeowners policies never cover flood, and the properties hit hardest included many where the owner had assumed the risk was someone else’s. If your only reference point is the last ordinary storm, this coast will outrun it.

The 50% rule can turn a repair into a rebuild

After a surge event, FEMA’s substantial-improvement (“50%”) rule becomes decisive. If repairing the damage costs 50% or more of the structure’s pre-storm market value, the entire home must be brought to current code — in a flood zone, elevated to or above the base flood elevation. For older ground-level homes near the Naples coast that frequently means rebuilding higher rather than simply repairing, and it changes the economics of owning — or buying — an older waterfront property. Worth understanding before a storm, not during the claim.

High value and barrier islands change the flood math

Much of Collier’s coast is VE zone — the wave-action designation that is both the most severe and the most expensive — and Marco Island and the beachfront carry the county’s sharpest exposure. High-value homes here also routinely exceed NFIP’s building limit, so NFIP alone leaves a gap at the top. We quote private flood against it, where limits and terms often fit a Naples home better, and an elevation certificate is usually what most moves the premium.

Wind placement is tighter since Ian

Ian hardened the Southwest Florida market, and carrier appetite on this coast is selective. Roof age frequently decides whether a carrier will offer terms at all, and a current wind mitigation inspection — roof shape, deck attachment, secondary water resistance, opening protection — is the most useful document you can provide. On a Naples home the credits are meaningful, and a recent roof plus a clean wind-mit report is often the difference between a competitive quote and no quote.

Sources: National Weather Service — Hurricane Ian summary · FEMA — substantial improvement / substantial damage (the “50% rule”)

General information, not advice on a specific policy. Eligibility, limits and premium depend on the individual property and carrier. Call 800-616-1418 and we will review your address directly.

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Protecting Florida homeowners since 1966

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Barrier Island Coverage

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Older & Difficult Homes

Older roofs, unique properties - we find solutions.

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Flood Experts

Private flood options often cheaper than NFIP.

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Combine home, flood, and auto for max discounts.

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Florida's unique weather challenges - hurricanes, flooding, tropical storms - require specialized coverage. We work with multiple A-rated carriers to find you the best protection at the best price.

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✓ Coverage anywhere in Florida
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Protect your condo unit, personal property, and liability - even in high-rises.

✓ Unit owner coverage
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🌊 Flood Insurance

Don't wait - flood insurance has a 30-day waiting period. Private options available.

✓ Private flood options
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✓ Higher coverage limits
✓ Faster claims processing

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"They found us coverage when other agents said it was impossible. Our barrier island home is finally protected, and we're paying less than we expected!"

— Happy Florida Homeowner

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