Flood Insurance

Flood insurance can help protect your home and contents from unexpected water damage. Contrary to common belief, standard homeowners policies do not cover flood damage. Whether you live in a high-risk zone or just want added peace of mind, flood coverage makes a smart addition.

NFIP flood insurance plans are backed by the federal government. Coverage can include building and contents. Rates are determined by factors like location, flood zone, and elevation rather than individual claim history. Plans are available to homeowners, renters, and business owners.

Private flood plans can offer broader coverage and faster claims service than standard NFIP policies. They can provide higher limits for building and contents, with options for living expenses and replacement cost. Premiums are based on modern risk models rather than outdated flood maps.