Florida · all personal lines residential policyholders
For Florida · all personal lines residential policyholders, state is Florida; program name is Citizens Property Insurance Corporation; citation / source is Fla. Stat. § 627.351(6)(aa)1.a; coverage category is all personal lines residential policyholders; coverage limit is a dwelling replacement cost of $600,000 or more, 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.a. our reading
- Coverage category
- all personal lines residential policyholders verified
- Coverage limit
- a dwelling replacement cost of $600,000 or more 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. verified
- Effective / announcement date
- January 1, 2024 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.
— flsenate.gov, retrieved 2026-08-19
Sources disagree
More than one authority states this, and they do not state the same thing. Both are reproduced with the source each came from — deciding between them is yours, not ours.
Citation / source
flsenate.gov says citation / source is Fla. Stat. § 627.351(6)(aa)1.a., as of 2026-08-19.
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.
https://www.flsenate.gov/Laws/Statutes/2025/627.351
flsenate.gov says citation / source is Fla. Stat. § 627.351(6)(aa)1.b., as of 2026-08-19.
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.
https://www.flsenate.gov/Laws/Statutes/2025/627.351
flsenate.gov says citation / source is Fla. Stat. § 627.351(6)(aa)1.c., as of 2026-08-19.
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.
https://www.flsenate.gov/Laws/Statutes/2025/627.351
Coverage limit
flsenate.gov says coverage limit is a dwelling replacement cost of $600,000 or more, as of 2026-08-19.
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.
https://www.flsenate.gov/Laws/Statutes/2025/627.351
flsenate.gov says coverage limit is a dwelling replacement cost of $500,000 or more, as of 2026-08-19.
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.
https://www.flsenate.gov/Laws/Statutes/2025/627.351
flsenate.gov says coverage limit is a dwelling replacement cost of $400,000 or more, as of 2026-08-19.
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.
https://www.flsenate.gov/Laws/Statutes/2025/627.351
Eligibility / ineligibility rule
flsenate.gov says 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., as of 2026-08-19.
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.
https://www.flsenate.gov/Laws/Statutes/2025/627.351
flsenate.gov says 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., as of 2026-08-19.
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.
https://www.flsenate.gov/Laws/Statutes/2025/627.351
flsenate.gov says 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., as of 2026-08-19.
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.
https://www.flsenate.gov/Laws/Statutes/2025/627.351
Effective / announcement date
flsenate.gov says effective / announcement date is January 1, 2024, as of 2026-08-19.
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.
https://www.flsenate.gov/Laws/Statutes/2025/627.351
flsenate.gov says effective / announcement date is January 1, 2025, as of 2026-08-19.
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.
https://www.flsenate.gov/Laws/Statutes/2025/627.351
flsenate.gov says effective / announcement date is January 1, 2026, as of 2026-08-19.
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.
Source
- flsenate.govhttps://www.flsenate.gov/Laws/Statutes/2025/627.351