Flood Insurance

Get a Flood Quote

fax completed form to (888) 607-7154

Flooding is the most common natural disaster.

• Anywhere it can rain, it can flood.
• You don’t need to live near a coastline or river to have a flood. Flash floods, inland flooding, and seasonal storms bring flooding to every region of the country.
• Just a few inches of water can cause tens of thousands of dollars in damage.

Most homeowners insurance does not cover floods.

• Only flood insurance financially covers your home and your personal property from floods.
• A flood insurance policy compensates homeowners, renters, and business owners for all covered losses, and unlike a Federal disaster loan, it does not have to be repaid.

You can’t get flood insurance at the last minute.

• In most cases, it takes 30 days after purchase for a policy to take effect, so it’s important to buy insurance before the storm approaches and the floodwaters start to rise.

If you are in a high-risk area, flood insurance may be mandatory.

• If you live in a high-risk area and you carry a mortgage from a federally regulated or insured lender, flood insurance is required.

If you own your property outright, you still should be covered by flood insurance.

• Statistics show that if you live in a high-risk zone, you are more likely to experience a flood than a fire.

You can purchase flood insurance no matter your flood risk.

• It doesn’t matter whether your flood risk is high or low, you can buy flood insurance as long as your community participates in the NFIP.
• You can get flood insurance if your house has been flooded before, even if your mortgage doesn’t require it.
• Outside of the high-risk Special Flood Hazard Area, most properties will qualify for the lower-cost Preferred Risk Policy.
• Even though flood insurance isn’t federally required, anyone can be financially vulnerable to floods. In fact, people outside of mapped high-risk flood areas file nearly 25% of all National Flood Insurance Program flood insurance claims and receive one-third of Federal Disaster Assistance for flooding.

Preferred Risk Policies provide flood protection at the best price.

• Qualifying homeowners in moderate- to low-risk areas can purchase a lower-cost policy.
• Qualifying renters can purchase contents-only coverage for buildings in moderate- to low-risk areas.
• A lower-cost PRP also is available to business owners with up to $500,000 building coverage and $500,000 contents coverage (per building).
• Business owners who lease their space can purchase contents-only coverage.
• To qualify for a PRP, the property must be located in a moderate- to low-risk area and meet loss history requirements.
• Two claims or disaster relief payments of $1,000 or more for flooding, or three flood losses of any amount, make the structure ineligible for the PRP.

More Information

Guide to Flood Safety and Preparedness