Flood Insurance
Protect your home from rising water
Flood insurance is separate — and essential
Standard homeowners insurance does not cover flood damage. Whether you're in a high-risk flood zone or not, a separate flood policy is the only way to be protected when water rises.
We write flood policies through both the National Flood Insurance Program (NFIP) and select private carriers.
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Comprehensive flood protection
A flood policy covers what your standard homeowners policy can't. Don't wait for a forecast to find out you're underinsured.
- Dwelling Coverage
- Foundation & Structural
- Personal Contents
- Debris Removal
- Detached Structures
FAQ
Frequently Asked Questions
Do I need flood insurance if I'm not in a flood zone?
Yes, often. More than 20% of flood claims come from homes outside high-risk flood zones. Flash flooding, overwhelmed storm drains, and hurricane storm surge regularly affect "low-risk" areas.
How long before my flood insurance takes effect?
Under the National Flood Insurance Program (NFIP) rules at 44 C.F.R. § 61.11, standard NFIP policies have a 30-day waiting period before coverage starts. Private flood policies sometimes have shorter waits. The practical implication: flood coverage must be purchased before a storm is named or a flood event is forecast — you cannot wait until the radar lights up.
What does flood insurance actually cover?
An NFIP policy covers the physical structure of your home (up to $250,000) and its contents (up to $100,000) from rising water. It does NOT cover temporary living expenses after a flood, landscaping, or vehicles.
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Local agents who understand your flood risk