Flood Insurance

Personal Insurance

What should you consider when purchasing flood insurance?

Anywhere it can rain, it can flood. That’s why it’s important to take steps before, during, and after a flood to mitigate losses.

NFIP flood insurance policy covers direct physical losses caused by a flood.

What is a flood?

A flood is a general and temporary condition of partial or complete inundation of two or more acres or two or more properties of normally dry land area from:

  1. Overflow of inland or tidal waters
  2. Unusual and rapid accumulation or runoff of surface waters from any source; or mud flow

What if I do not live in a flood zone or high risk flood area?

Over 20% of all flood insurance claims are from outside of a “high risk” flood area (https://www.floodsmart.gov/flood-insurance/why). If you are not in a “high risk” flood zone, then you may be eligible for lower-cost preferred rating.

Who can purchase a flood insurance policy?

Anyone who lives in a flood zone or a participating community can purchase a flood policy. Click on the link for more information. https://www.fema.gov/flood-insurance

Our team understands that “one size fits all” is not an insurance option; we’d be more than happy to chat about your individual insurance needs.

Something went wrong.
Please provide your full name
Something went wrong.
Something went wrong.
Something went wrong.
Something went wrong.
Something went wrong.
Submitting form...

Thanks for submitting your request! A member of our team will be in touch with you shortly.