Flood Insurance is always a separate policy from your Homeowners and Hurricane policies, and can be obtained for homes, apartments, condos and commercial buildings.To find out if you are located in a "high risk flood zone" or not, requires a Flood Zone Determination. Because the flood insurance program, NFIP (National Flood Insurance Program) is through FEMA, essentially the Federal Government, the rates are standardized with all underwriters. If your property is in a "higher risk" zone, you should acquire an "Elevation Certificate" which would specify the Bass Flood level and the Elevation of you property. This can, if it shows and elevation above the base flood level, make a dramatic difference in the premium. The maximum coverage allowed on a flood policy for homes, condos and apartments is $250,000 for the dwelling and $100,000 for the contents or personal property. If there is a need for additional coverage, you can obtain Excess Flood coverage through surplus carriers, although the rates can be much higher.