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What is a flood?

A flood is defined by the NFIP as: A general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.

What does flood insurance cover?

Flood insurance goes beyond the coverage of a standard homeowners insurance policy and protects you from more severe types of water damage, like heavy rain, melting snow, and severe coastal storms. Flood insurance provides coverage for both the structure of the home and personal property in case of damage. Please remember, your structure and personal property coverages usually have separate deductibles.


Flood Insurance FACTS

  • Floods are the number one disaster in the United States.

  • Flood damage is not covered by most homeowners policies.

  • One inch of water can cause thousands of dollars in damage.

  • More than 20% of all flood insurance claims come from low-risk flood flood zones.

  • There is usually a 30-day waiting period before coverage goes into effect.

Annual Premiums

The NFIP sets flood insurance premiums, and the do not differ from carrier to carrier. Your rates are dependent on several factors, including your flood zone and date of construction of your home.

Available Coverages

NFIP provides both building and contents coverage for residential and commercial properties. Please see below for a list of available coverages.

                                             Homeowners               Renters                Business               Other Residential

BUILDING COVERAGE               $250,000                       N/A                  $500,000                     $500,000

CONTENTS COVERAGE               $100,000                   $100,000              $500,000                     $500,000

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