We'll help you find the best Private and NFIP Flood Options for your home or business!

Here’s the truth: everyone lives in a flood zone. It’s not a matter of if flooding can happen, but when and how much damage it causes. Many homeowners mistakenly believe they don’t need flood coverage because they’re not in a high-risk zone. However, flooding can occur due to heavy rain, clogged storm drains, hurricanes, storm surge, or even a neighbor’s runoff, and standard homeowners insurance does not cover flood damage.

Good news for X-Zone properties: If your home is in an X zone, you may qualify for flood insurance as low as $238 per year. That’s peace of mind for less than what most people spend on coffee in a month.

Why flood insurance matters: Over 25% of flood claims come from homes outside high-risk zones. Just one inch of water can lead to tens of thousands of dollars in damage. 

Additionally, private flood insurance policies typically have short waiting periods, but once a storm is approaching, it’s too late to get coverage.