Flood
Insurance

Standard homeowners and commercial property policies do not cover flood damage. Whether you're in a high-risk flood zone or a moderate-to-low risk area, a separate flood policy is the only way to protect your property from rising water, storm surge, and overflow. We help homeowners, landlords, and businesses across Texas, North Carolina, and South Carolina find affordable flood coverage through both the NFIP and private carriers.

Coverage Types

Building Coverage

Covers the physical structure of your home or business — walls, floors, foundation, electrical and plumbing systems, HVAC, and permanently installed fixtures.

Contents Coverage

Protects personal property and business contents inside the building — furniture, appliances, electronics, clothing, and inventory.

NFIP Policies

Federally backed flood insurance through the National Flood Insurance Program, available for properties in participating communities.

Private Flood Insurance

Often provides higher coverage limits, broader terms, and competitive pricing compared to NFIP — especially for properties outside high-risk zones.

Commercial Flood

Flood coverage for commercial buildings, warehouses, restaurants, churches, and rental properties — protecting your business investment from water damage.

Excess Flood Coverage

Additional coverage above NFIP limits for high-value properties that need more protection than the standard $250K residential / $500K commercial caps.

Do You Need Flood Insurance?

Many property owners don't realize they're at risk until it's too late. Here are key facts about flood coverage in our service areas:

Over 40% of NFIP claims come from properties outside high-risk flood zones.

If you have a federally backed mortgage in a Special Flood Hazard Area (SFHA), flood insurance is required.

Texas Gulf Coast, the Carolinas' coastal and inland areas face significant flood risk from hurricanes, tropical storms, and heavy rainfall.

There is typically a 30-day waiting period before a new flood policy takes effect — don't wait until storm season.

Private flood policies may offer immediate or shorter waiting periods compared to NFIP.

NFIP vs. Private Flood Insurance

We'll help you compare both options to find the best fit for your property:

NFIP

Backed by the federal government

Available in participating communities

$250K residential / $500K commercial limits

30-day waiting period

Private Flood

Higher coverage limits available

Often broader coverage terms

Competitive pricing for many properties

Shorter or no waiting period (varies)

Get a Flood Insurance Quote

We'll compare NFIP and private flood options to find you the right coverage at the best rate — whether you're a homeowner, landlord, or business owner.

Coverage cannot be bound, changed, or confirmed via the internet. Please speak directly with a licensed representative.

Request a Free Quote

FloodInsurance