Flood insurance covers losses directly caused by flooding. In simple terms, a flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties. For example, damage caused by a sewer backup is covered if the backup is a direct result of flooding.

Why should I renew my policy?

What impact my flood premium and cost?

Policy cost, requirements, and terms


• Floods are the most common and costly natural disaster, with 98 percent of the counties in the United States having experienced a flooding event. One inch of water in a home can cause more than $25,000 in damage, and most homeowner’s insurance policies don’t cover flood damage. That makes acquiring flood insurance a no-brainer.

• Everyone is exposed to flooding, storm surges, severe thunderstorms, pump station issues and breakdowns, levee ruptures that cause massive amounts flooding with little warning all year, Flooding can occur within minutes with no warning in our surrounding areas.