{
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  "id": "citizens-flood-requirement",
  "canonicalUrl": "https://bestinsuranceresearch.com/sources/citizens-flood-requirement",
  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
  },
  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "New Flood Requirements Begin January 1 - Citizens Property Insurance Corporation",
  "publisher": "Citizens Property Insurance Corporation",
  "url": "https://www.citizensfla.com/-/new-flood-requirements-begin-january-1",
  "officialHost": true,
  "sourceType": "official-documentation",
  "authorityLevel": "carrier-official",
  "primary": true,
  "jurisdiction": "FL",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "Re-verify each January as the next phase takes effect and after each legislative session.",
  "status": "active",
  "supportsClaims": [
    {
      "claimId": "citizens-flood-requirement#c1",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/citizens-flood-requirement#c1",
      "checksum": "ee47050cbeea",
      "text": "Citizens states that existing Personal Lines residential policyholders, except for condominium unit owner policies, in designated Federal Emergency Management Agency flood hazard areas whose policy includes wind coverage were required to have flood insurance when their policies renewed on or after July 1, 2023."
    },
    {
      "claimId": "citizens-flood-requirement#c2",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/citizens-flood-requirement#c2",
      "checksum": "12dada73a667",
      "text": "Citizens states that the flood insurance requirement then phases in by dwelling replacement cost: $600,000 or more from January 1, 2024; $500,000 or more from January 1, 2025; $400,000 or more from January 1, 2026; and all remaining eligible Personal Lines residential policies from January 1, 2027."
    },
    {
      "claimId": "citizens-flood-requirement#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/citizens-flood-requirement#c3",
      "checksum": "b012c02df0e2",
      "text": "Citizens states that the required flood policy must come from the National Flood Insurance Program or a private carrier authorized to write flood insurance."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "State",
      "title": "Florida",
      "url": "https://bestinsuranceresearch.com/states/florida"
    }
  ],
  "reliedOnByCount": 1,
  "citation": {
    "text": "Citizens Property Insurance Corporation. \"New Flood Requirements Begin January 1 - Citizens Property Insurance Corporation.\" unknown. https://www.citizensfla.com/-/new-flood-requirements-begin-january-1 (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record citizens-flood-requirement, content version 2026.08.31. https://bestinsuranceresearch.com/sources/citizens-flood-requirement",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}