Flood Insurance

Flood insurance covers damage to your home and belongings caused by flooding, which standard homeowners and renters policies specifically exclude. Coverage is available through the National Flood Insurance Program, or NFIP, and through private flood insurers. It can protect your building, your contents, or both, against rising water, heavy rain runoff, and flash flooding.

Just a few inches of water can cause tens of thousands of dollars in damage, and floods are not limited to high-risk zones. A large share of flood claims come from areas considered low or moderate risk. If you live near a river, on a slope, or anywhere heavy Northwest rain can pool, a flood policy fills a gap your homeowners insurance leaves wide open. Lenders often require it in mapped flood zones.

Are you in a mapped flood zone, and is coverage required by your lender? Do you want to insure just the building, or your contents too? How do NFIP and private flood options compare for your home? Remember that flood policies usually have a waiting period before coverage starts, so it's best not to wait. Ask us and we'll help you compare.