Flood Insurance Deadlines Loom for Florida Homeowners with Citizens PoliciesIf you’re a Florida homeowner insured through Citizens Property Insurance, it’s time to pay attention. In December 2022, the Florida Legislature passed Senate Bill 2A, requiring Citizens policyholders to carry flood insurance. Now, the next wave of deadlines is approaching:Homes valued at $500,000 or more must have flood insurance by January 1, 2025 . Flood damage isn’t covered under standard wind or homeowners’ insurance policies, leaving many homeowners vulnerable to financial losses. Do You Really Need Flood Insurance?