At Black Bear, we will review the different types of options for Flood coverage and well as provide you with a premium indication for purchasing this important form of insurance protection. We can assist with reviewing the coverages as well as how the coverage applies in the event of a loss. Keep in mind that the entire State of Florida is in a Flood zone. Some zones are at a higher probability of flooding than others. If we look at statistics on past flood claims, 25% of flood losses were in the zones with less probability of flooding. Keep this in mind when reviewing this coverage.