Frequently Asked Question

Do I need flood insurance? Do I have flood insurance on my homeowners’ policy?

You do not need to live in a flood zone to buy a Flood Insurance policy. Flood coverage is excluded by all carriers on your homeowners’ policy.

You do not need to live in a flood zone to buy a Flood Insurance policy. Flood coverage is excluded by all carriers on your homeowners’ policy. The coverage is offered through FEMA as a separate policy and is priced based on the coverage needed and how your property is zoned with the FEMA Flood Maps.