What is Flood Insurance?

Flood insurance protects your property and home in the event of severe water damage caused by heavy rains, storms, hurricanes and flooding.

If your property is in a high-risk flood zone, your lender will require you to carry flood insurance.

Why Flood Insurance?

You might be wondering if flood insurance is right for you. America’s Flood is happy to help.

As a homeowner or business owner, it’s never fun to plan for disaster. But when it strikes, you need to be prepared.

That’s where flood insurance comes in.

Since flood coverage isn’t included in most standard home insurance policies, it’s important to make sure you have the coverage you need to protect your property or business.

What Does Flood insurance cover?

There are two main types of flood insurance coverage:

  • Building (structural)
  • Contents (personal/business property)

The National Flood Insurance Program (NFIP) covers a certain degree of damage to your property and content after a flood: Up to $250K for building coverage and $100K actual cash value in personal property damage.

For commercial policies this amount is increased to 500K for both building and property coverage.

An alternative to the NFIP is the private market, which offers:

  • Higher coverage amounts
  • Excess coverage (additional coverage added to your primary policy)
  • Loss of use
  • Other structures
  • Insurance for COBRA/CBRA zones (Coastal Barrier Resource Area)
  • Business income

As a flood broker, America’s Flood has access to both the NFIP and private market. This allows us to customize your policy to get you the coverage you need at the price you can afford.

Homeowner Coverage

You may think that because your lender doesn’t require you to carry flood insurance, your home and assets are safe from flooding.

While many flood zones in the United States don’t require homeowners to purchase flood insurance, an astounding 20-30% of flood claims occur in areas where flood insurance isn’t required.

If you’ve had a bad experience in the past, you know how devastating it can be to see your property destroyed by a serious storm or disastrous flood.

America’s Flood can help you find the coverage you need to protect what matters most to you.

Business Coverage

We understand how much work and passion it takes to be a business owner. We’re here to help you protect your business when the unexpected strikes.

According to FEMA, 40% of small businesses aren’t able to reopen after a natural disaster strikes, and another 25% that do fail within a year.

Let America’s Flood help you find the coverage you need to keep your business protected when it matters most.

Who needs flood insurance?

There are some important questions to ask yourself to figure out if you need flood insurance:

– Where do you live?
– Are you located next to a body of water?
– Is your property prone to heavy rains or hurricanes?
– Is your property considered a high-risk flood zone?
– Does your lender require you to purchase flood insurance as a home or business owner?

Even if your lender doesn’t require you to purchase flood insurance, it’s never a bad idea to get coverage: 20-30% of flood claims come from areas that are considered moderate-to-low risk areas where flood insurance isn’t required.

When you protect your home, business, or rental property from flood damage with America’s Flood, you can rest assured that we’ll always have your back.

    America’s Flood has been providing thousands of Americans with flood insurance for over 25 years. As a privately owned, nationwide flood insurance broker, we are the experts in our field. Whether you need insurance through the NFIP (National Flood Insurance Program) or a private market, we can help you find the best rate and coverage for your needs. Our agents are dedicated to providing honest, reliable customer service.


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