Flood Insurance

Flood insurance is available to homeowners, renters, condo unit owners/renters, commercial owners/renters, and residential condo associations (RCBAP) and apartment buildings. Costs vary depending on how much insurance is purchased, what it covers, and the property’s flood risk.

All policy forms provide coverage for buildings and contents. However, most choose to not cover their personal contents, since contents coverage is optional. This important coverage should be considered. Under the NFIP (National Flood Insurance Program) a 30-day waiting period from the date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance!

• • In the past 5 years, all 50 states have experienced floods or flash floods.
  • Everyone lives in a flood zone. To find your zone, Click Here: https://msc.fema.gov/portal
  • In the past 5 years, all 50 states have experienced floods or flash floods.
  • Everyone lives in a flood zone. (For more information, visit our Flood Zones FAQs.)
  • Homeowners insurance does not cover flood damage.
  • If you live in a Special Flood Hazard Area (SFHA) or high-risk area and have a Federally backed mortgage, your mortgage lender requires you to have flood insurance..)
  • Just a few inches of floodwater can cause tens of thousands of dollars in damage.
  • Flash floods often bring walls of water 10 to 15 feet high. A car can be easily carried away by just 2 feet of rushing water.
  • DID YOU KNOW? A property does not need to be near water to food. In fact, more than 40% of all National Flood Insurance Program (NFIP) food claims come from outside high-risk areas. Floods can be a result of storms, melting snow, hurricanes, water backup, broken water mains, and changes to land as the result of new construction, among other things.