Florida · all personal lines residential policyholders
What is the program name for Florida · all personal lines residential policyholders?
For Florida, coverage category is all personal lines residential policyholders; program name is Citizens Property Insurance Corporation; citation / source is Fla. Stat. § 627.351(6)(aa)1.a; coverage limit is a dwelling replacement cost of $600,000 or more; 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, recorded from its source on 2026-08-19; source re-checked 2026-10-01.
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
- State
- Florida
- 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.
The same source also states
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.
— flsenate.gov, retrieved 2026-08-19
The same source also states
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.
— flsenate.gov, retrieved 2026-08-19
Source
- flsenate.govhttps://www.flsenate.gov/Laws/Statutes/2025/627.351