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Flood Insurance

Flood Insurance is coverage for property damaged by a flood. Even you're not in a flood zone, it doesn't mean you can't suffer losses due to flooding.

<strong>What is Flood Insurance?</strong>

What is Flood Insurance?

Flood insurance is coverage for property damaged by a flood. 

The National Flood Insurance Program offers residential policyholders dwelling coverage up to $250,000 and personal property coverage up to $100,000.  Private flood and additional excess flood coverages are available.

The NFIP’s definition of a flood is as follows:

  • “A general or temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:
  • Overflow of inland or tidal waters;
  • Unusual and rapid accumulation or runoff of surface waters from any source;
  • Mudflow; or
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in flood as defined above.”

Why do you need flood insurance?

  • Homes in high-risk flood areas are required to carry flood insurance.
  • Any property, regardless of flood zone, is susceptible to flooding as most floods are caused by heavy rain or melting snow with already saturated ground.
  • Construction and new development is changing the natural drainage of water making more areas prone to flooding.

What can you do to protect yourself?

  • Purchase flood insurance from the National Flood Insurance Program or a private carrier.

What coverages are we offering?

  • Up to $250,000 of dwelling through NFIP
  • Up to $100,000 of personal property through NFIP
  • Additional limits available through private carriers or excess flood markets