Skip to main content

Flood Insurance

Protect yourself from the most common natural disaster

What’s the risk of flooding?

You don’t have to live in a high-risk flood zone to be in danger of flooding. The National Flood Insurance Program (NFIP) reports that more than 20% of flood insurance claims are located outside of high-risk flood zones. Many situations can result in flooding – heavy rain, severe storms, snowmelt, broken levees and clogged drains – and they can happen at any time, ranking them the most common natural disaster in the U.S.

Why is flood insurance essential?

There are so many ways water can cause expensive damage to your home. According to FEMA, every inch of floodwater can cause up to $25,000 in damage.

It’s important to know that flood damage and water damage covered by a homeowners policy are different. Homeowners policy coverage is limited to water damage caused by unexpected home-related situations, like a burst pipe or a leaking dishwasher. Homeowners policies don’t cover damage caused by flooding. A flood insurance policy is the only way to be covered for flood damage to your home.

Related: The Homeowner's Checklist for Water and Flood Damage Cleanup

We support the NFIP’s position that every homeowner and renter should have a flood policy, especially if you live in a high-risk flood area. You might even be required to have one if you’ve gotten a mortgage through a federally regulated or insured lender.


What does flood insurance cover?

Flood insurance covers your home and property, essential systems and your personal possessions. You can customize the coverage that’s right for you.

Basic flood insurance

We can help you purchase a basic flood insurance policy through the NFIP.

Broader flood insurance

For even greater protection, we can help you get more extensive coverage than what’s offered by the NFIP policy, as well as coverage for certain items typically excluded by the flood policy, like limits that cover the full value of your home and belongings, and coverage for belongings stored in your basement.

How affordable is flood insurance?

Flood insurance premiums vary depending on your flood risk, the year your home was built, the amount of coverage you purchase and your deductible. We’ll work with you to customize a flood policy that suits your coverage needs and budget.

How do I get flood insurance?

We can help you secure flood insurance, answer questions about the policy and assist you in determining which coverage is right for you. Call us today so we can discuss your coverage needs and help you customize a flood policy.

Please keep in mind that a new flood insurance policy or an increase in coverage will not take effect until 30 days after it was requested. So it’s not possible, for instance, to obtain flood insurance as soon as threatening weather is forecasted. There are some exceptions to the waiting period, such as insuring a newly purchased home or if you’re refinancing and flood insurance is required by the mortgagee.

Call to find out which flood insurance coverage is right for you.