Flood Insurance and Home Insurance in Tampa Bay: What Homeowners Should Know Living in Tampa Bay offers plenty of advantages, from coastal communities and established neighborhoods to warm weather and access to the Gulf. However, homeownership in the region also means understanding how insurance handles different types of property damage. Flood insurance Florida Tampa Bay homeowners is particularly important because standard homeowners policies generally do not cover flood damage. Read more: https://sites.google.com/view/flood-insurance-and-home-insur/home