In Miami-Dade County, you must have flood insurance if your property is in a designated flood zone and you have a federally-backed mortgage.  Additionally, Florida Legislature passed Senate Bill 2A in 2022 which mandates homeowners holding hurricane wind policies from Citizens Insurance, Florida's state-run insurer, to get flood insurance within 3 years.  An August 22 bulletin from Citizens outlines the flood insurance requirement's gradual implementation: • From January 2024, properties with a replacement value of $600,000 or more must have flood insurance. • By 2027, all properties insured by Citizens, irrespective of their value, should have flood coverage.