One-third of all head of households in the United States believe that flood damage would be covered by their homeowners insurance, but that is not the case. Are you one of them? A flood insurance policy provides protection for the home destruction and financial devastation that floods can cause.

Whether it is heavy and lengthy rainfalls, snow melts or storm surges, this protection can offer you coverage for repair and restoration. The weather seems to become increasingly less predictable as the years pass, giving you another reason to be prepared. 

When considering a flood insurance policy, the most important question to ask is “What Flood Zone Am I in?”

Coverage options can be broken down into two main groups:

  • Those that live in a Flood Zone (A and V Zones). If you live in a flood zone, you will be required by your federally regulated or insured mortgage company to obtain a Standard Flood Insurance policy.
  • For those that do not live in a flood zone, coverage is optional, but you will want to consider a Preferred Risk Flood Insurance policy (B, C, and X Zones).

Ask an agent about coverage for your contents, as well as coverage for the building. In some cases, these may be separate coverage options.

Flood insurance rates are set by the National Flood Insurance Program (NFIP). Rates will vary depending on your zone, but they will not vary based on carrier.

Standard Flood Insurance Policy (required):

  • Rates in high-risk areas (A and V Zones) are calculated based on a variety of factors, including building construction and the elevation of your building.
  • Policies can be purchased for building only, contents only or both contents and building coverage.
  • Obtain up to $250,000 in building coverage for your home and up to $100,000 for contents coverage.
  • Looking for an exact rate for your high-risk home? Call our agents and they can help give you an accurate quote based on the specific needs of your home.

Preferred Risk Flood Insurance Policy (optional):

  • Obtain up to $250,000 in building coverage for your home and up to $100,000 for contents coverage.
  • Work with an agent to find the right deductibles and limits for your individual needs.

Excess Flood Insurance Policy (optional)

  • Allows you to add extra flood insurance if the NFIP limits do not offer enough coverage for you.
  • Can offer combined limits of up to $15 million.
  • Available for residential and business insurance.

Flood Insurance Quote

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To find out about discounts you may be eligible for, call an agent today or visit our online quoting portal! If your community participates in the Community Rating System (CRS) you may eligible for a discount on your flood insurance.  You also may receive a discount if you have a newer home or have made upgrades to your home that reduce flood risk.