Flooding is America's #1 natural disaster

Did you know most homeowner's insurance policies don't cover flooding? Floods can happen anytime, anywhere from hurricanes, storms or any rapid accumulation of rainfall, so it's important to ensure your property is covered in the event of a flood.

In fact, more than 20% of flood insurance claims come from moderate- to low-risk areas, and just a few inches of water can cause thousands of dollars in damage.

Plan ahead—flood insurance policies often require a 30-day waiting period before coverage goes into effect (except when purchasing a new home and the closing is in less than 30 days).

Types of flood insurance

There are two markets for flood insurance: the National Flood Insurance Program (NFIP) and private flood insurance.


  • NFIP coverage is paid out by the government and funded through taxpayer money
  • Limited to $250,000 in coverage

Private Flood Insurance

  • Can provide higher coverage limits than the NFIP
  • Covers a greater variety of things
  • May be less expensive in some areas
  • Some policies can pay for living expenses in the event your home becomes uninhabitable

There are many factors that are considered when selecting the right flood insurance coverage. Let one of our specialists help you make the best choice to protect your home.

Do I Need Flood Insurance?

Is flood insurance right for you? Learn the basics about coverage, costs and the role of private flood insurance when searching for a policy.

Contact us

Talk to an experienced advisor today.


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Insurance products and services offered through McGriff Insurance Services, Inc., a subsidiary of Truist Insurance Holdings, Inc., are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may go down in value.

McGriff Insurance Services, Inc. CA License #0C64544.