A flood has submerged a neighborhood, with water covering streets and surrounding houses. Several buildings are partially underwater, and vehicles are parked or stranded in the floodwaters. Trees and greenery are visible in the background.

🌊 FLOOD INSURANCE

Because When Water Rises, Time Runs Out

It Doesn’t Take a Hurricane to Lose Everything

You don’t need to live near a river, ocean, or in a “flood zone” to suffer flood damage.

In fact, more than 25% of flood insurance claims come from properties outside high-risk areas.

That means homes in quiet neighborhoods, cul-de-sacs, or even atop hills have been caught off guard — and left unprotected.

Floods are fast, unforgiving, and expensive.
And most homeowners don’t realize this one truth until it’s too late:

🛑 Standard homeowners insurance does NOT cover flood damage.

💧 What Is Flood Insurance?

Flood insurance is a separate policy designed to protect you from water damage caused by rising water, storms, runoff, or overflow — all things a typical home insurance policy excludes.

It can cover:

  • Damage to your home’s structure (walls, floors, foundation, electrical, HVAC)

  • Cleanup and repair costs

  • Damaged belongings and appliances (if contents coverage is included)

  • Temporary housing if your home is unlivable

  • Basement and crawl space repair (limitations apply)

💡 If you don’t have flood insurance, you may have to pay out of pocket or rely on FEMA aid — which often falls short of recovery costs.

🌍 "But I'm Not in a Flood Zone..."

This is one of the biggest misconceptions we hear. Here’s the truth:

✅ Flood zones aren’t static — they change with weather patterns and urban development
✅ Overloaded storm drains, rapid snowmelt, or flash floods can affect any area
✅ Just a few inches of water can cause tens of thousands in damage
✅ You may be eligible for low-cost flood insurance if you're not in a high-risk zone

You don’t have to live near water to be at risk. You just need rain and the wrong day.

💸 How Much Does It Cost?

Flood insurance premiums vary based on:

  • Your home’s location and elevation

  • Age and type of construction

  • Coverage limits for building and contents

  • Whether you’re in a low, moderate, or high-risk zone

💡 Good news: If you’re in a moderate- or low-risk area, your premium may be more affordable than you think — often less than a coffee a day.

🛡 Why Clients Trust Us for Flood Coverage

✔ We assess your true risk, not just what the map says
✔ We explain what’s covered — and what isn’t, so there are no surprises
✔ We offer both FEMA-backed NFIP policies and private flood options
✔ We walk you through the application step-by-step
✔ We help bundle or integrate with your existing home policy (if possible)

📉 Don’t Let One Storm Wash Away Everything

Water doesn’t knock. It doesn’t wait. And when it comes…
You’ll either have flood insurance — or regret.

📲 Get your Flood Insurance quote today
It’s fast. It’s easy. And it could save you from devastation.

🧭 Final Thought:

You insure your car in case of a crash.
You insure your home for fire, theft, and wind.

But the one event that causes the most financial damage per claim?
➡️ Flooding.

Flood insurance isn’t just for “flood zones.”
It’s for anyone who wants peace of mind when the skies open up.

Let’s protect your home — before the waters rise.