Flood Insurance
Flood insurance protects your home and belongings from damage caused by flooding—something not covered by standard homeowners insurance.
Do I need flood insurance?
You may want to consider flood coverage if:
You live near a coast, bay, river, or drainage area
Your property is in a lower-lying or flood-prone area
You want added protection against unexpected weather events
While some lenders require flood insurance in designated flood zones, many homeowners choose to carry it voluntarily—because flood damage is not covered by standard homeowners insurance.
Types of flood policies
Flood insurance is available through:
The National Flood Insurance Program (NFIP) – Government-backed coverage with standardized limits and rates
Private Flood Insurers – May offer higher limits, shorter waiting periods, and more flexible coverage options
We can help you compare both to determine the best fit for your property and risk level.
What’s covered
Flood insurance generally includes two types of protection:
Building Coverage – Repairs to your home’s structure and built-in systems
Contents Coverage – Personal belongings such as furniture, electronics, and appliances
Coverage details vary by policy. We’ll help you review limits and options.
Things to know before you buy
A few important considerations when purchasing flood insurance:
Waiting periods – Coverage usually doesn’t start immediately
NFIP policies typically have a 30-day waiting period
Private insurers may offer shorter waits (sometimes 7–15 days)
Coverage limits – Flood policies have maximum limits for buildings and contents
Separate policy – Flood insurance must be purchased separately from your homeowners policy
Planning ahead is key—coverage must be active before a storm is on the radar.
We’ll help you review your options and find flood coverage that fits your property and risk level.