Home insurance by address.
Insurance in Florida is priced parcel by parcel. Type an address and read the factors carriers will read: the roof record, the wind map, the flood map.
What the address decides.
Location sets the baseline
Wind-speed zone, flood zone, and evacuation zone are properties of the parcel. They travel with the address forever, which is why checking them belongs in every purchase decision.
The building sets the multiplier
Code era, roof age, and mitigation features scale the location risk up or down. Two neighbors in the same zone can carry very different files.
Buyers: check before the offer
An address lookup before an offer costs nothing and reprices bad surprises into the negotiation, where they belong, instead of into your first renewal.
Reading a parcel like an underwriter.
The parcel factors: fixed at purchase
Three inputs to a Florida premium are decided the moment you choose the address. The design wind speed comes from the Florida Building Code's wind map, rising toward the coasts and peaking in the High-Velocity Hurricane Zone of South Florida. The flood zone comes from FEMA's maps, with A and V zones marking the Special Flood Hazard Area where lenders require separate flood coverage. The evacuation zone signals storm-surge exposure that some carriers factor into appetite. None of these can be renovated away, which is exactly why they belong in the buying decision rather than the closing surprise.
The building factors: earned or inherited
On top of the parcel sits the structure, and its file is more forgiving. The construction year fixes the code era: homes permitted from March 2002 onward carry the Florida Building Code's engineering, and carriers price that confidence. The roof record is the live variable, a permit-dated replacement inside its serviceable life is the single strongest line a Florida file can carry. Wind-mitigation features, documented on the state form, then credit back a meaningful share of the wind premium the location imposed.
Same street, different files
Put the two layers together and the quote spreads that puzzle people become mechanical. A 1978 gable-roof home with an estimated eighteen-year-old roof and a 2016 hip-roof home two doors down share a wind zone, but they do not share a file, an inspection outcome, or a market. The lookup above exists to make that file visible per address: the roof line, the code era, the zones, and the inspection flags, assembled the way an underwriter assembles them.
Using the lookup well
For a home you own, run the address and check the roof line first: if the age shows as estimated but you know the roof was replaced, the missing permit is your highest-value paperwork errand. For a home you are buying, run it before the offer and again before binding, and hand your agent the specifics. And for either, the full property report linked from the result carries the complete records picture: permit history, risk table, insurance profile, and the maintenance items that would strengthen the file.
Public records, not guesswork.
Free, no signup, and we don’t sell your data.
We match it to the county property record and its permit history.
Roof permits date the roof; the construction year sets the building-code era for wind features.
FEMA flood zones, the Florida wind-speed map, and evacuation zones overlay the parcel location.
No. It is a records-based assessment of the factors Florida insurers weigh: roof age, wind and flood exposure, 4-point likelihood, and wind-mitigation features. It shows where you stand before you talk to a carrier or agent.
County permit and assessor records, FEMA flood maps, the Florida Building Code wind-speed map, and county evacuation zones. Permit-backed roof ages are flagged high confidence; everything else is labeled as an estimate.
No. The lookup is free, needs no signup, and the address you type is not sold or shared.
Because the factors are parcel-level: one side of a street can sit in a different flood zone or wind territory than the other, and the homes on it can differ by decades of code era and roof age.
Yes, that is the best time. The lookup reads public records for any covered Florida address, so you can see the roof record and risk zones before you write the offer.
Permit and assessor records refresh as counties publish them, and the risk overlays come from the current FEMA and Florida Building Code maps. Each field in a full report is labeled with its confidence.