Flood Insurance Deductible

[Pat L.]

Hello all. I'm considering a Florida investment in a flood zone. I have a variety of flood insurance quotes with a large range of deductibles.

Do you have flood insurance for any of your Florida investment properties? If so, what deductible do you go with, and why? 

I would really, really appreciate your input.

Thanks,
PJL

[Huiping S.]

Originally posted by @Bryan Wallace:

Huiping Sheng An AE Zone has been more 'studied' by FEMA, so in theory, the map depicting the flood zone is more accurate. However, it is just computer models backed by survey data.

---You are 100% right: I drove around and found this: one zip code is closer to water and the flood zone is X, and another zone just next to it is AE and the AE is far away from water. Overall this area is close to water.  

---For FL, it is time to consider flood insurance because the cycle of hurricane.