Florida insurance news, Oct. 25, 2026: A Coastal Flood Warning for Miami-Dade and Broward on Monday and Tuesday, Miami-Dade property tax bills arrive Oct. 30, and the next Citizens takeout dates
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Three updates for South Florida homeowners, drivers and small-business owners. Each item is summarized in our own words, with a link to the original source.
1.Watch upgraded to a Coastal Flood Warning: major tidal flooding possible in coastal Miami-Dade and Broward on Monday and Tuesday
On Sunday morning the National Weather Service in Miami upgraded Saturday’s watch to a Coastal Flood Warning for coastal Miami-Dade, Broward and Palm Beach, in effect from 2 a.m. Monday to 8 p.m. Tuesday; the current advisory runs until 2 a.m. Monday. Moderate flooding is expected around each high tide, reaching major flood stage on Monday and Tuesday, and forecasters say numerous roads may close and low-lying homes, businesses and some critical infrastructure will be flooded; advisories will likely be needed through much of the week after the king-tide peak. Northeast winds of 20 to 25 mph with gusts of 30 to 35 mph (occasionally near 40) are likely, a Wind Advisory for the immediate coast is possible Monday night into Tuesday, and showers today could cause isolated flash flooding in the east coast metro areas. In the Upper Keys, the warning for major saltwater flooding is in effect until 5 a.m. Monday.
Why it matters for you: Move cars to higher ground or a garage above street level before Monday’s high tides, and never drive through water of unknown depth: salt water can ruin a car, and that damage falls under comprehensive coverage (comprehensive vs. collision). Bring in or tie down patio furniture, bins and other loose items before the gusts. Damage to a home from rising water is covered only by a separate flood policy, so take dated photos of any damage and see our king tides guide.
Source: National Weather Service Miami,
Source: National Weather Service Miami,
Source: National Weather Service Key West,
2.Miami-Dade’s 2026 property tax bills go out Friday, Oct. 30
The Miami-Dade County Tax Collector says the 2026 annual tax notices will be mailed on Oct. 30, 2026, the same day they are emailed to BillExpress subscribers and become available to view and pay online. Under Florida law, if 2026 real estate taxes are not paid before June 1, 2027, a tax certificate may be issued on the property, which can eventually lead to its loss; the annual certificate sale begins June 1, 2027. The office can be reached at (305) 375-5448.
Why it matters for you: If your mortgage payment includes escrow, your lender pays both the tax bill and your homeowners insurance from that account, so a change in either one can change your monthly payment; check your next escrow statement. If you own your home outright or own business property, you pay the bill yourself, and it is a good moment to confirm your insurance renewal date as well. Questions about your homestead exemption or assessed value go to the Miami-Dade Property Appraiser, and you can ask us to review your coverage.
3.Citizens takeout: Nov. 5 choice deadline for the Nov. 17 round, and new letters due Oct. 28 for the Dec. 15 round
Under Citizens Property Insurance’s 2026 personal-lines depopulation calendar, policyholders whose policies were selected for the Nov. 17 assumption received choice letters around Sept. 28 and have until Thursday, Nov. 5 to register their choice. The next round starts Wednesday, Oct. 28, when Citizens sends choice letters for the Dec. 15 assumption, with a choice deadline of Dec. 4. If no choice is registered by the deadline, Citizens assigns the policy to one of the takeout companies that selected it, and to the one with the lowest estimated premium if more than one did. The packets include coverage worksheets and estimated premiums for Citizens and for each offer.
Why it matters for you: If a letter from Citizens arrives, don’t set it aside: compare the coverage, deductibles and the company behind each offer, not only the premium, and register your choice yourself or through your agent before the deadline. Our guide to Citizens and working with a local agent and our explainer on the Citizens takeout offer walk through the steps.
Also this week
The National Hurricane Center does not expect any tropical cyclone to form in the next seven days (8 a.m. Sunday outlook). On Tuesday, Oct. 27, property insurers must file their next Hurricane Isaias claims report with the Office of Insurance Regulation by noon ET, and at 10 a.m. ET the office holds a virtual public hearing on the workers’ comp rate filing from the National Council on Compensation Insurance (NCCI); written comments are accepted through 5 p.m. ET on Nov. 10 at ratehearings@floir.gov, subject “NCCI”.
This roundup is general information, not legal advice or policy language. Each item is our own short summary of the linked original report; details can change after publication, so check the source for the full story. Coverage depends on the terms, limits and exclusions of your policy. Talk with a licensed agent about your situation.