Hurricane insurance usually covers strong wind damages to your property, but it doesn't normally cover flood damage. In other words, you need a separate flood insurance policy in order to be protected against flood damages. Most flood insurance coverage in Florida is offered through the National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA). The reason is the risk—due to Florida's unique geographic conditions, flooding is more frequent and intense here than in other states. Few private companies offer flood protection at a reasonable price...