Our Products: Flood

  • Did you know... Homeowners insurance does not cover loss to your property resulting from flood?
  • Did you know... The term “flood” includes accumulated surface water resulting from rain, waves, tidal water or overflow of any body of water, or spray from any of these, whether or not driven by wind, or water below the surface of the ground, regardless of its source?
  • Did you know... Flood insurance rates are established by the federal government?
  • Did you know... When a community becomes eligible to participate in the National Flood Insurance Program (NFIP), an official map (called a flood insurance rate map or FIRM) of the community is made indicating the special hazard areas and the risk premium zones applicable to that community?
  • Did you know... If a structure/dwelling is built before a community’s FIRM date, then a “flat” rate applies to that structure and/or its contents?
  • Did you know... If a structure is built after a community’s FIRM date, then a certified engineer/surveyor must be hired in order to determine how high the structure/dwelling must be built in order to be at or above the Base Flood Elevation shown on the community’s FIRM?
  • Did you know... The certified engineer/surveyor completes an Elevation Certificate from which an agent can provide a quote for flood insurance?
  • Did you know... A structure/dwelling constructed at two feet or higher above the BFE will have the best flood insurance rates?
  • Did you know... If you borrow money from a lender who must comply with federal banking regulations to purchase a home or other structure located within a designated flood zone, the lender will require you to purchase flood insurance equal to the structure’s replacement value?
  • Did you know... Flooding can occur by heavy rainfall?
  • Did you know... You do not have to be in a designated Flood Zone in order to purchase a flood insurance policy?
  • Did you know... There are preferred rates available for homes which are not in a designated flood zone and that these rates are much lower than the regular rates?

To request a quote or to request information about one of these lines of insurance, please click here for our online quote request form.