Flood Insurance — NFIP & Private Options
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.
Coverages we place
- Building/dwelling coverage (structure, foundation, electrical, plumbing)
- Contents/personal property coverage
- Basement and below-grade coverage (limited under NFIP)
- Replacement cost or actual cash value options
- Commercial building and business property flood coverage
- Excess flood coverage above NFIP limits
Who needs this coverage
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.
What drives your premium
- Flood zone designation (A, V, X zones)
- Elevation of the structure relative to base flood elevation
- Building age and construction type
- Foundation type (slab, crawlspace, elevated)
- Coverage limits selected
- NFIP vs. private flood carrier
Common exclusions
- Damage from moisture, mildew, or mold not directly from flood
- Currency, precious metals, and certain valuables
- Vehicles (covered by auto insurance comprehensive)
- Living expenses / loss of use (NFIP does not cover this; some private policies do)
- Land and landscaping
Frequently asked questions
How much does flood insurance cost?
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.
Do I need flood insurance if I'm not in a flood zone?
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.
What's the difference between NFIP and private flood insurance?
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.
Related coverage
Get a free quote or call (321) 206-8035.