Flooding in Florida poses significant risks to property owners, including structural damage, mold growth, and costly repairs. Mold can develop within 24 to 48 hours after flooding, potentially leading to respiratory health issues. Even properties outside high-risk flood zones are vulnerable during severe weather events. The state’s low-lying geography and frequent exposure to hurricanes and tropical storms increase the likelihood of flooding. Additionally, floodwaters can weaken building foundations and damage electrical systems, creating long-term safety and financial challenges. The report emphasizes the importance of preparedness to reduce these risks.