Standard homeowners and renters policies do NOT cover flood damage — you need a separate flood policy. Whether you're in Florida, Texas, the Gulf Coast, or any flood-prone area, Our agency offers both NFIP (National Flood Insurance Program) and private flood options, often at lower rates than you'd expect.
Every property owner and renter in a flood-prone area should carry flood insurance. Even if you're not in a high-risk zone, 25% of flood claims come from low-to-moderate risk areas. Mortgage lenders require flood insurance in designated flood zones. States like Florida, Texas, Louisiana, and the Carolinas are especially vulnerable.
NFIP policies average $700–$1,500/year for residential properties, depending on your flood zone and elevation. Private flood insurance can sometimes offer lower rates — especially for newer homes. We compare NFIP and private options across all the states we serve.
We strongly recommend it. Over 25% of flood claims come from areas outside high-risk zones. Heavy rain, hurricanes, and rising water tables can flood any property — and Preferred Risk policies for low-risk zones are very affordable.
NFIP is the federal program with standardized coverage and limits ($250K dwelling / $100K contents for residential). Private flood carriers can offer higher limits, replacement cost coverage, and sometimes lower premiums — especially for newer, well-built homes.
Get a free quote or call (321) 206-8035.