Flood Insurance

Did you know that flooding is not covered under the homeowners policy? Flood Insurance is not a federally required coverage; however, your lender may require it if your property is in a high-risk flood zone. Many consumers either over-estimate the cost of flood insurance, or think they are not susceptible to flooding if they are not in a high-risk zone. In fact, more than one-quarter of claims are made from areas outside of a mapped high-risk flood zone, which is why it is recommended to all homeowners to carry flood insurance.

Flood insurance is available to homeowners, renters and business owners. When purchasing flood insurance through the National Flood Insurance Program (NFIP), there is a 30-day waiting period after you have applied and paid the premium in full before the policy is effective. The waiting period may be waived if there is a loan transaction, map revision, or if rolling over/renewing a policy.

Annual Premiums start as low as $171 for building and contents. Below are the current rates for the NFIP Preferred Risk Policy for homeowners. These areas outside of known floodplains are shown as B, C, or X zones on a Flood Insurance Rate Map. Let our licensed agents help you properly insure your property for flood.


Building Contents Premium
$20,000 $8,000 $189
$30,000 $12,000 $232
$50,000 $20,000 $302
$75,000 $30,000 $352
$100,000 $40,000 $390
$125,000 $50,000 $410
$150,000 $60,000 $436
$200,000 $80,000 $476
$250,000 $100,000 $504
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