Flood Insurance 101-Every Property in Florida is in a Flood Zone

Anywhere it rains, it can flood. A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Many conditions can result in a flood: hurricanes , overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall. Just because you haven’t experienced a flood in the past, doesn’t mean you won’t in the future.

In fact, did you know that 25% of all floods happen in non-flood hazard areas? Flood risk isn’t just based on history, it’s also based on a number of factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development. Though the government actually provides flood insurance coverage, at Oyer, Macoviak and Associates, we issue this policy in the event of flood damage to your insured property, and Oyer, Macoviak and Associates can also service your claim.

Talk with Oyer, Macoviak and Associates today: 561-732-9305 or request a quote online to identify the best of coverage, value and price just for you. Please keep us in mind for your other insurance needs- home insurance, auto insurance, business insurance, and life insurance.

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  • Murray H.

    They always respond to my questions or requests. I haver never made a claim with them but based on my... read more

    Ron D.

    We appreciate that Oyer Macoviak & Associates have our interest in mind by recommending additional coverages to enhance our HO policy

    Emily G.

    Excellent insurance agent.

  • Paula P.

    I have been very happy with the time and attention that are afforded to me by being insured with... read more

    Dan W.

    Hard working very fair professional insurance people .They always go out of the way to provide you with great advice... read more

    michael g.

    Started our relationship by a long distance phone call for home owners coverage. always available to answer questions. So impressed... read more

  • Amy F.

    I as well as my family members have been using Oyer Insurance for decades. Everyone in the office is... read more

    Becky C.
    positive review 

    The most friendly and helpful insurance company ever! They're happy to help with any request.

    Len P.

    Most helpful, most customer friendly, most informative agency imaginable.

  • Bonnie S.

    We are extremely happy with Oyer, Macoviak and Associates. We are with them for many years and switched... read more

    Chelsea E.

    Oyer, Macoviak and Associates have been so great to me. Very professional and always helpful.

    Just m.

    Very helpful and friendly staff! They make you feel like you're more than just another customer. Greatly recommend when... read more

  • WENDY H.

    I have been using Oyer, Macoviak and Associates for 6+ years. They are so professional, courteous, extremely knowledgable and very... read more

    Mike V.

    Professional courteous helpful and responsive service with knowledgeable staff who take the time to listen and care about your needs.

    Joe T.

    Have used Oyer for years for my business insurance. Always have received top notch service. They answer the phone and... read more

  • Pris N.

    It's great to find an insurance agency that actually cares! Our agent, Cheryl, not only seeks the best insurance... read more

    Don T.

    Best in business with fast and friendly service. I strongly recommend Oyer, Macoviak and Associates for all your insurance needs.

    Abby D.

    The staff is a pleasure to work with and are extremely helpful. Transitioning our homeowner's insurance over to Oyer, Macoviak... read more

  • Richard P.

    They are always there when you need them and they follow up in timely manner. They are always pleasant... read more

    Rebecca H.

    So professional from the person answering the phone to the agent that helped us with our auto policy. Marie was... read more

    Aden R.

    Oyer and macoviak were a breath of fresh air after all the bad experiences I had trying to get... read more

  • Stephen B.

    i call on this company for customer service reasons for their own clients,

    Chino M.

    If need insurance call them, they are professional, sincere in helping their clients and potential clients, or email

    philip h.

    We have always been pleased with the service and help with our insurance policies placed through the company. Dealing with... read more

  • Beverly K.
    positive review 

    They find the best companies with the lowest premiums. The staff is very helpful and pleasant. I had a claim... read more

    Thomas A.

    First year with them. But pleased so far in how i have been treated and charged.

    Judith W.

    Oyer, Macoviak has covered my condo since I bought it in December of 2008. Several years ago my upstairs... read more

  • Creative M.

    The most efficient & knowledgeable ins. people I know! Give them a try!Family owned & operated right in Boynton too!

    Abby D.

    The staff is a pleasure to work with and are extremely helpful. Transitioning our homeowner's insurance over to Oyer, Macoviak... read more

    Helaine H.
    positive review 

    They are always looking for the best rates and they are very helpful in making desisions. Always avaible to speak... read more

READY FOR THE NEXT STEP-HERE'S HOW IT WORKS

Need an insurance quote? Just fill out our quote form and we will handle the rest.

Let us shop multiple companies so you get the best rate with the best coverages.

After we issue the policy we still handle all the work. Policy changes, claims, applications we handle of it for you.