Flood Insurance
Standard homeowners insurance doesn't cover flood damage. Protect your property with dedicated flood coverage.
Did You Know?
- Floods are the #1 natural disaster in the U.S.
- Just 1 inch of water can cause $25,000+ in damage
- 25% of flood claims come from low-risk areas
Why Flood Insurance?
Homeowners insurance does NOT cover flood damage. You need a separate flood insurance policy.
Protect Your Investment
Your home is likely your biggest asset. Don't leave it vulnerable to flood damage.
Required by Lenders
If your home is in a high-risk flood zone, your mortgage lender requires flood insurance.
Everyone Is at Risk
Floods can happen anywhere. Over 25% of claims come from outside high-risk areas.
Coverage Options
We offer flood insurance through the National Flood Insurance Program (NFIP) and private carriers, giving you options to find the best coverage and rates.
Building Coverage
Covers the structure of your home including walls, floors, electrical/plumbing systems, HVAC, appliances, and permanently installed carpeting.
Up to $250,000 (NFIP)Contents Coverage
Covers your personal belongings including furniture, electronics, clothing, and other valuables.
Up to $100,000 (NFIP)NFIP vs Private Flood Insurance
NFIP (Federal Program)
- • Backed by the federal government
- • Standardized coverage limits
- • Available in most communities
- • 30-day waiting period
Private Flood Insurance
- • Higher coverage limits available
- • May include replacement cost
- • Additional living expenses coverage
- • Often shorter waiting periods
Understanding Flood Zones
FEMA designates flood zones based on flood risk. Your zone affects your requirements and rates.
High-Risk Zones (A & V)
1% annual chance of flooding
Flood insurance is REQUIRED if you have a federally-backed mortgage
Moderate-Risk Zones (B & X-shaded)
0.2-1% annual chance of flooding
Flood insurance is recommended but not required
Low-Risk Zones (C & X)
Less than 0.2% annual chance
Flood insurance is optional but still smart to have
Not sure what flood zone you're in?
Contact Us to Find OutDon't Wait for the Next Flood
Flood insurance typically has a 30-day waiting period. Get covered now before it's too late.