A flood is when an excess amount of water submerges land that is typically dry. In terms of flood insurance purpose and coverage – a flood is when two or more acres or two or more properties are affected by water rising from the ground up. Though river floodplains and coastal areas are the most susceptible, floods can happen anywhere. It is likely flooding can occur in areas with unusually long periods of heavy rainfall – typically in dry land areas. This is why it is important to carry flood insurance even if your property is in a low- to moderate-risk flood zone.

No.
It is not typical that homeowners insurance covers damage from a flood Though there are other policies that cover additional risks, floods and earthquakes are usually excluded. Typically, homeowner insurance policies cover damage caused by threats such as fire, windstorms, hail, lightning, robbery or property vandalism. Contact one of our flood insurance agents today to find out more.

Your name and address is all you need to get started! We write flood insurance policies nationwide and our new, updated online quoting process quickly and easily gives you the most accurate information about your property including your flood zone, confirmation if flood insurance is required, and an instant online flood insurance quote (depending on your flood zone).

If you live in a high-risk area (zones A and V) and your mortgage is through a
government backed lender – yes, flood insurance is required. If you live in a low-
to moderate-risk area (zones B, C, and X)- no, flood insurance might not be required. However, with about 20% of flood insurance claims coming from moderate- to low-risk areas, it is strongly recommended to carry
flood insurance even in low- to moderate-risk zones.
This will guarantee your protection for a very low cost.

It's easy! Simply contact a National Flood Insurance agent. As a general agent, we can process all flood insurance policies through either the NFIP or one of our many private carriers. You can begin your free online quote here or you can contact us by phone, email, or live chat if you have additional questions.

The average cost of a policy through the NFIP is about $700 a year,
but your premium cost might adjust depending on your property's flood risk,
the type of coverage you need, and the location of your home. If you are in a
low- to moderate-risk area, you might qualify for the Preferred Risk Policy
(a lower-cost flood insurance policy) that provides building plus contents coverage for as little as $129 PER YEAR! That’s just two trips to Starbucks per month to ensure your property is protected.