Flood Insurance
Flooding can happen almost anywhere — not just near rivers or the coast. Heavy rains, poor drainage, or even nearby construction can put your property at risk. While river and coastal flooding are common, flash floods and urban flooding are becoming increasingly frequent.
Flood maps help determine an area’s flood risk. If your property is in a high-risk zone — defined as having a 1% or greater chance of flooding each year — you face at least a one-in-four chance of experiencing flood damage over the life of a 30-year mortgage.
Private Flood
the difference
NFIP vs. Private Flood Insurance
Coverage Feature NFIP Flood Insurance Private Flood Insurance
Building & Structural Damage ✅ Yes ✅ Yes
Personal Property Coverage ✅ Yes (limits apply) ✅ Yes (higher limits available)
Swimming Pool Damage ❌ No ✅ Often Available
Items Stored in Basement ❌ No ✅ Often Available
Temporary Living Expenses (Hotel/Rental)❌ No ✅ Often Available
Higher Coverage Limits ❌ No ✅ Yes
Customizable Coverage Options ❌ No ✅ Yes