Flood Insurance

Did you know that most residential and commercial insurance policies don’t cover flooding, which is the the number one natural disaster in America? In fact, over the course of a 30-year loan, a home located in a high-risk flood zone is four times more likely to be flooded than damaged by fire.

You don’t have to live near water to be at risk! Anywhere it can rain, it can flood. Twenty-five to 30 percent of Flood claims are paid in low to moderate risk areas. Lenders require Flood insurance in high-risk flood zones, but Flood insurance is optional though advisable everywhere else.​  With climate change floods are happening more often.

Residential

Floods can happen anywhere and anytime.  When it rains it can flood.  Flood insurance is now available in low to moderate risk areas. Even though it is optional in those areas it is good to have because residential  policies do not cover flood. Click below to learn how to protect your home.

Rentals

Renters need flood insurance too. Landlords and renter policies will not cover your personal property in flood losses. Whether you are in a low or high risk area you should protect your property. In low to moderate risk areas the premiums are relatively low. Click below to learn more about protecting your personal property.

Commercial

You work hard to build your business. You don't have to lose it because of a flood. Commercial property insurance does not cover flood losses. Flood coverage is available as long as you are in a participating community. Learn more about protecting your business in case of a flood loss by clicking below.