Flood Insurance
Flood insurance guidance before the water rises.
Flood coverage is often separate from standard homeowners insurance. Request guidance for your property and available options.
What this coverage may help with
Why flood insurance matters
Floods are one of the most common natural disasters in the U.S., and flood damage is typically excluded from standard homeowners policies. A separate flood policy may help protect your structure and contents from flood-related losses.
Coverage may be available through the National Flood Insurance Program (NFIP) or private flood carriers, depending on your property, location, and eligibility.
What we typically need for a quote
- Property address (we may pull the flood zone)
- Year built, square footage, number of stories
- Foundation type (slab, crawlspace, basement, pier)
- Elevation certificate if available
- Prior flood losses (if any)
- Mortgagee information
Coverage options
Coverage options to consider
Coverage options vary by carrier, state, and eligibility. Your agent will explain the trade-offs in plain language.
Building Coverage
Coverage options for structure, foundation, electrical, plumbing, and built-in appliances.
Contents Coverage
Coverage options for furniture, electronics, and personal items.
Elevation-Based Options
Coverage approaches for elevated homes and basements.
High-Risk Zones
Options for properties in flood-prone areas, subject to underwriting.
Who it's for
Homeowners who should consider flood coverage
- Coastal and waterfront properties
- Homes near rivers, lakes, or canals
- Properties in low- to moderate-risk zones (preferred rates may be available)
- Mortgage requirements in designated flood zones
- Homes with basements or finished lower levels
- Anyone wanting peace of mind before storm season
Why Quick & EZ
A modern independent agency that works for you
- Independent — we shop with multiple top-rated carriers.
- Plain-language guidance from real agents.
- Bilingual support — Hablamos Español.
- Fast quote requests, no call-center runaround.
- Personal and commercial lines under one roof.
- Licensed across multiple states.
Prefer to talk first?
Speak with a licensed agent
Our team will walk you through what's commonly needed and the coverage options that may fit.
Related coverage
Often paired with this coverage
Many clients combine these coverages — bundling can often unlock multi-policy discounts.
Homeowners Insurance
Pair flood with homeowners for broader property protection.
Learn more →Personal Auto
Bundle with home for potential multi-policy discounts.
Learn more →RV / Recreational Vehicles
Coverage options for motorhomes and trailers.
Learn more →Business Insurance
Commercial flood and property coverage for businesses.
Learn more →FAQ
Common questions
Why isn't flood included in my homeowners policy?+
Standard homeowners insurance typically excludes damage from rising water, storm surge, and similar flood events. Flood coverage is usually a separate policy.
Do I have to be in a high-risk zone to get flood insurance?+
No. Flood coverage may be available for properties in low- and moderate-risk zones as well. A meaningful share of flood claims come from properties outside high-risk zones.
Is there a waiting period?+
Many flood policies have a waiting period (often 30 days) before coverage takes effect. Don't wait until a storm is forecast to request coverage.
What is an elevation certificate?+
An elevation certificate documents your property's elevation relative to flood zones. It may be required for some quotes and can affect pricing.
What does flood insurance typically cover?+
Coverage may include building (structure, foundation, electrical, plumbing) and contents (personal property). Limits and exclusions vary by policy form and carrier.
Are there private flood options?+
Yes. In addition to NFIP, private flood carriers may offer alternatives with different limits and features. Eligibility varies by property and state.
Ready when you are
Request a flood insurance quote.
Most flood policies have a waiting period. Start your request today and we'll guide you through available options.
Coverage disclaimer
Submitting a quote request does not bind coverage. Coverage is not effective unless confirmed in writing by the agency or insurance carrier. Coverage options may vary by carrier, state, underwriting, eligibility, and availability. This page provides general information only and does not constitute legal, financial, or insurance advice.
Please note
- Coverage options may vary by carrier, state, underwriting, eligibility, and availability.
- This page provides general information only and does not constitute legal, financial, or insurance advice.