Flood Insurance

Your homeowners or rental property insurance policy does not provide coverage from flood damage. Therefore, flood insurance coverage is necessary to protect homes from flood damage caused by tropical storms, heavy rains, and hurricanes. Hurricanes generate storm surge and other types of flooding which can cause the most destruction to your home.

Statistics show that 25% of all flood insurance claims are from homes in areas that have minimal risk and, for homes actually located in the floodplain, there is a 26% chance of suffering from flood damage over the course of a 30-year mortgage. A floodplain map or flood hazard map was created to show the different degrees of risk from flooding. The lower degree of risk, the lower your premium. In fact, your mortgage company will require you to carry flood insurance if your property resides in a high risk area on the floodplain map. It is also important to be aware that if the floodplain map becomes updated and your property becomes assigned to a floodplain area, you will be notified by your community to purchase flood insurance.

The National Flood Insurance Program, or NFIP, helps homeowners and property owners purchase affordable flood insurance protection.  This coverage provides assistance to property owners for the increasing building repair costs to property damaged by flooding. (To learn more about flood insurance, click on the National Flood Insurance Program link above.)

For a free quote on flood insurance, you can either call us at the phone number located at the top of this page or contact us by email.