Florida’s Citizens is Deferring Flood Coverage Proof While NFIP is Shut Down

Florida’s Citizens Property Insurance Corp. is deferring the required proof of flood insurance while the federal government shutdown continues and the National Flood Insurance Program is in limbo.

“Citizens will accept applications and defer the required proof of flood coverage and the Policyholder Affirmation Regarding Flood Insurance (CIT FW01), effective October 1, 2025, until the NFIP resumes normal business operations,” the corporation said in a bulletin last week.

Florida lawmakers in 2022 required most Citizens policyholders, in a phased-in schedule, to also obtain flood insurance. The idea, supporters of the law said, was to help push homeowners back to the primary market and help protect Citizens from legal disputes over wind-versus-water damage. Condominium owners in high-rise buildings were exempted from the mandate in 2023.

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