Flood Insurance
Flood insurance provides financial protection for your home and belongings if they’re damaged by flooding—a risk that’s typically not covered under standard homeowners or property insurance.
Even a few inches of water can cause significant damage. Flood insurance ensures you’re not left paying out of pocket for costly repairs or rebuilding after a flood.
Do I need flood insurance?
You may want flood coverage if:
You live near a coast, bay, or river
Your property sits in a lower-lying area
You simply want added peace of mind against unexpected weather
While some lenders require it for homes in designated flood zones, many homeowners choose to add coverage voluntarily to protect their investment.
What’s covered
Flood insurance generally includes two types of protection:
Building Coverage – Repairs your home’s structure, foundation, and built-in systems.
Contents Coverage – Covers personal belongings such as furniture, electronics, and appliances.
Coverage details vary by policy—always review your limits and exclusions carefully.
Types of flood policies
Flood insurance is available through:
The National Flood Insurance Program (NFIP) – Backed by the government, with standardized limits and rates.
Private Flood Insurers – Often provide higher limits, shorter waiting periods, and more flexible options.
Our team can help you compare both options to find the best fit for your property and risk level.
Things to know before you buy
A few key points to keep in mind when considering flood coverage:
Waiting Periods – Most flood policies don’t start right away.
NFIP policies have a 30-day waiting period.
Private flood insurers may offer shorter waits (as little as 7–15 days).
Plan ahead—coverage must be active before a storm is on the radar.
Coverage Limits – Flood insurance has set maximums for buildings and contents; private insurers may allow higher limits.
Separate Policy – Flood coverage must be purchased separately from your homeowners insurance.
Protect your home from the unexpected.
Floods can happen anywhere—even outside high-risk zones.