Florida · all other personal lines residential property insured by the corporation
For Florida · all other personal lines residential property insured by the corporation, state is Florida; program name is Citizens Property Insurance Corporation; citation / source is Fla. Stat. § 627.351(6)(aa)1.d; coverage category is all other personal lines residential property insured by the corporation; eligibility / ineligibility rule is all personal lines residential policyholders must have flood coverage in place for policies effective on or after: a. January 1, 2024, for a structure that has a dwelling replacement cost of $600,000 or more. b. January 1, 2025, for a structure that has a dwelling replacement cost of $500,000 or more. c. January 1, 2026, for a structure that has a dwelling replacement cost of $400,000 or more. d. January 1, 2027, for all other personal lines residential property insured by the corporation, recorded from its source on 2026-08-19.
- State
- Florida verified
- Program name
- Citizens Property Insurance Corporation our reading
- Citation / source
- Fla. Stat. § 627.351(6)(aa)1.d. our reading
- Coverage category
- all other personal lines residential property insured by the corporation verified
- Eligibility / ineligibility rule
- all personal lines residential policyholders must have flood coverage in place for policies effective on or after: a. January 1, 2024, for a structure that has a dwelling replacement cost of $600,000 or more. b. January 1, 2025, for a structure that has a dwelling replacement cost of $500,000 or more. c. January 1, 2026, for a structure that has a dwelling replacement cost of $400,000 or more. d. January 1, 2027, for all other personal lines residential property insured by the corporation. verified
- Effective / announcement date
- January 1, 2027 verified
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
1. Except as provided in subparagraphs 2. and 3., all personal lines residential policyholders must have flood coverage in place for policies effective on or after: a. January 1, 2024, for a structure that has a dwelling replacement cost of $600,000 or more. b. January 1, 2025, for a structure that has a dwelling replacement cost of $500,000 or more. c. January 1, 2026, for a structure that has a dwelling replacement cost of $400,000 or more. d. January 1, 2027, for all other personal lines residential property insured by the corporation.
— flsenate.gov, retrieved 2026-08-19
Source
- flsenate.govhttps://www.flsenate.gov/Laws/Statutes/2025/627.351