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 Many conditions can result in a flood: hurricanes , overtopped levees, outdated or clogged drainage systems and rapid accumulation of rainfall.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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  • Lynda O.

    Oyer, Macoviak and Associates is a professional insurance firm that I highly recommend. They are knowledgeable, courteous and qualified to... read more

    Angeline G.

    We have been insured by Oyer, Macoviak, and Associates for many, many years. We have had excellent service, and... read more

    Stephen B.

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

  • Elaine M.

    They are very professional and understand what our needs are for insurance. Can always reach someone via phone which... read more

    Marianne C.

    This company is so fast and friendly to work with. We only had a week and they expedited the paperwork... read more

    Paula P.

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

  • Jack F.
    positive review 

    Oyer, Macoviak and Associated has been our insurance agent in excess of ten years. They are always helpful in... 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

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    They are the best! I’ve suffered with Geico,
    And Einsurance. Horrid experience with both. A friend recommended her broker to me,...
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  • Just m.

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

    Kim M.

    You offer excellent customer service and are proactive in terms of getting competitive quotes for our coverage, which has helped... read more

    Cindy N.

    Cheryl's response time was impeccable. She provided more than one option for insurance and provide options to reduce the... read more

  • Elaine M.

    They are very professional and understand what our needs are for insurance. Can always reach someone via phone which... read more

    Linda M.

    Highly recommend “Oyer”!!! They are all knowledgeable and efficient. AND there’s a bonus - they answer their phones and... read more

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

  • Chino M.

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

    Sharon G.

    They are the best. Been with them many years for my personal and business policies. I also recommend them to... 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

  • Pris N.

    It's great to find an insurance agency that actually cares! The agents make sure we get the best home... read more

    Deborah A.

    The staff is always very helpful and patient!
    We have building insurance and a great referral agent on Medical Insurance.

    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

  • Marie B.

    If you are looking for an agent that is going to take care of you and your family by making... read more

    Bonnie S.

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

    Fernando R.

    Had a great experience working with Cheryl. She was very patient working on multiple homeowners quotes and has been extremely... 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

    Bobby J.

    very professional rob, cheryl, and all the associates really care about there customers! i have never had a insurance... read more

    Chelsea E.

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

  • Robert H.

    Very nice people, very helpful and courteous, have several carriers to choose from, they know based on your needs the... read more

    Scuzzymuzzle F.

    As a first time home owner; they were accommodating to our needs and able to find us a policy that... read more

    Terry K.

    Fantastic Rates and Service. We have already been recommending Oyer, Macoviak & Associates to Friends and Business Associates.

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