Flood insurance options have expanded significantly in recent years. Coastal Insurance helps homeowners compare coverage options and make informed decisions about protecting their homes before the next storm arrives.
To begin, complete the form below and our home insurance specialists will begin comparing options to customize a policy that meets your needs.
Request a Flood Insurance Quote
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Flood damage is excluded from most standard homeowner policies. A separate flood policy may be purchased through the National Flood Insurance Program or a private carrier.
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NFIP is the federal program administered through FEMA and offers standardized coverage with set limits. Private flood carriers can offer higher limits, broader coverage and, in some cases, lower premiums. An independent agent can compare both options for your property.
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Flood policies typically cover structural damage to the building and certain contents. Finished basements, landscaping, vehicles and temporary housing costs are generally excluded. Coverage limits and terms vary between NFIP and private carriers.
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An elevation certificate documents how high your property sits relative to the base flood elevation in your area. It is used by carriers to determine your flood risk and premium. Properties in designated flood zones often benefit from having one on file.
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What would happen to your home after one inch of water? The average cost of flood damage is $25,000. Most flood claims come from properties outside of high-risk zones, and standard homeowner policies cover none of it.
Source: FEMA / National Flood Insurance Program
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