Flood Insurance

Statistically you are more likely to have a problem with water rather than fire in your home over a 30-year period. With a large percentage of floods occurring in the lowest risk zones and your homeowners’ insurance policy specifically excluding the peril of flood, a flood policy is a wise investment. There are a variety of options to choose from and we can provide a customized flood policy to meet you and your lender’s needs.

National Flood Insurance Program (NFIP) versus Private Primary Flood
• We can provide either option.
• A private flood policy offers great savings and is accepted by most lending institutions.

We are a full-service agency
• Closing on a loan that requires flood coverage? We have you covered. We communicate directly with the bank and do all the work on your behalf.

Fully customizable policies
• Flexible deductibles
• Flexible payment options*
• Flexible coverages

Not in a flood zone (Zone X)?
• Preferred flood risk (Zone X) policies are very reasonable.
• A private flood policy offers great savings and is accepted by most lending institutions.

* Most lenders require annual flood premium to be paid in full before the close then escrowed in subsequent years.
30% of all floods occur in the lowest risk zones.**
The risk of a flood in a special flood hazard area is 26% over 30 years**.

Your homeowner’s insurance policy excludes the peril of flood.

**statistical data provided by FEMA
Did You Know?
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