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As more and more Floridians are forced to move to state-backed insurers like Citizens, Senate Bill 2-A from the 2022 session requires Citizens insured homes to carry flood insurance even if they are in FEMA Flood Zone X.

For reference:

https://www.abcactionnews.com/news/price-of-paradise/homeowners-with-citizens-upset-over-mandatory-flood-insurance-in-non-flood-zones

https://www.flsenate.gov/Session/Bill/2022A/2A/ByVersion

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