Flood Insurance

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Whether your home is on the coast or near a river, you need flood insurance. Just a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2012 to 2022, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect your property from devastating financial loss.

Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. 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. Typically, there is a 30-day waiting period from the date of purchase before your policy goes into effect (unless mortgage required). That means now is the best time to buy flood insurance.

Flood insurance rates and underwriting are set by FEMA. Flood insurance has undergone many changes in the past few years and Congress is constantly revamping the National Flood Insurance Program. Our staff are well educated with the intricacies of flood insurance and will work to get you the best available coverage and price.

Our agency represents over 25 flood carriers and we will shop the market to find the best premium for you.

Flood Insurance Frequently Asked Questions