What Is It?
Understanding Flood Insurance
Flood insurance covers direct physical damage to your home and belongings caused by flooding, including storm surge, river overflow, heavy rainfall, and mudflow. It is not included in standard homeowners insurance and must be purchased separately through the NFIP or private carriers.
Who Needs It?
Is This Right for Me?
Anyone living in a flood-prone area should have it. However, flooding can happen anywhere — over 20% of flood claims come from moderate-to-low risk areas. If your lender requires it, you must carry it. Even if not required, it’s one of the smartest protections you can buy.
What’s Covered
What Does Flood Insurance Cover?
Covers the structure of your home including foundation, walls, roof, and systems.
Covers furniture, clothing, electronics, and other personal belongings.
Up to 10% of building coverage (NFIP) for detached structures.
Refrigerators, stoves, washers, dryers, and HVAC systems.
Cost of cleaning up after flood damage.
Often include higher limits and broader coverage than NFIP.
Where We Work
Licensed in Georgia, Alabama, Tennessee, North Carolina, South Carolina, Virginia & Arkansas
We serve clients across the Southeast and beyond with access to 50+ carriers.