Personal Flood Coverage

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.”