Free climate risk scoring and insurance quote requests for any Florida property — FEMA flood zones, hurricane history, carrier availability, wildfire risk, property taxes, and direct connection to licensed FL agents. No signup required.
Miami Beach ·
Naples ·
Port Saint Lucie ·
Tampa ·
Orlando
StormScore Florida is a free tool that analyzes climate risk for any residential property in Florida and connects you with licensed insurance agents for real quotes. Enter any Florida address and instantly receive a composite risk score based on FEMA flood zone designation, ground elevation verified by USGS, hurricane storm surge exposure, wildfire risk, structural vulnerability, and insurance carrier availability. When you're ready, request quotes directly from licensed Florida insurance professionals — no estimates, no bots, real quotes from real people. The platform covers 31 Florida regions including Miami, Tampa, Jacksonville, Orlando, Naples, Fort Lauderdale, Port Saint Lucie, Sarasota, Fort Myers, Cape Coral, Key West, Daytona Beach, St. Petersburg, Clearwater, Melbourne, Boca Raton, West Palm Beach, Pensacola, Tallahassee, Gainesville, Ocala, Lakeland, Kissimmee, Stuart, Vero Beach, St. Augustine, Panama City, and Destin.
After analyzing your property, use the built-in quote request form to connect with licensed Florida insurance agents who can write real HO3, HO6, and flood policies for your specific address. Your property data — including flood zone, elevation, year built, roof age, construction type, and StormScore risk tier — is automatically shared with agents so they can provide accurate quotes faster. StormScore checks carrier availability across 12 active Florida insurers including Citizens Property Insurance, Universal Property & Casualty, Kin Insurance, Tower Hill, Security First, TypTap, Slide, People's Trust, SageSure, Florida Peninsula, American Integrity, and Homeowners Choice. Agents receive your wind mitigation status, 4-point inspection needs, and claim history — everything needed to quote your property without back-and-forth.
Each analysis includes a 14-feature interactive dashboard: insurance cost projections with county-specific FL OIR rate data, carrier availability for 12 Florida insurers, flood probability projections from FEMA actuarial tables, wind mitigation credit calculations per OIR Form B1-1802, property tax analysis with county millage rates and Save Our Homes benefit modeling, HOA and condo fee estimates with SB 4-D milestone inspection compliance and reserve fund health, 4-point inspection assessment, deal readiness scoring graded A through D, hurricane history with 37 named storms, wildfire exposure modeling from FL Forest Service data, comparable property risk analysis, an offer calculator, agent negotiation tools, and a downloadable PDF report. All data is verified in real time via the US Census Bureau Geocoder, USGS National Map Elevation Point Query Service, and FEMA National Flood Hazard Layer REST API.
Whether you are buying your first home in Florida and need to understand insurance costs before closing, a real estate agent preparing a client for the true cost of coastal ownership, or an investor evaluating risk-adjusted returns on Florida rental properties, StormScore provides the climate intelligence and insurance connections you need. Understand your FEMA flood zone designation, see which carriers will write your property based on roof age and location, calculate wind mitigation savings, and request quotes — all from one free tool. No account required, no signup, no credit card — just enter an address, analyze, and connect with agents.